Your credit payment history is recorded in a file or report. These files or reports are maintained and sold by "consumer reporting agencies" (CRAs). One type of CRA is commonly known as a credit bureau. You have a credit record on file at a credit bureau if you have ever applied for a credit or charge account, a personal loan, insurance, or a job. Your credit record contains information about your income, debts, and credit payment history. It also indicates whether you have been sued or have filed for bankruptcy.

The Fair and Accurate Credit Transaction Act (FACTA) is designed to help ensure that CRAs furnish correct and complete information to businesses to use when evaluating your application. Your rights under the Fair Credit Reporting Act:

1. You have the right to receive a copy of your credit report. The copy of your report must contain all of the information in your file at the time of your request.
2. You have the right to know the name of anyone who received your credit report in the last year for most purposes or in the last two years for employment purposes.
3. Any company that denies your application must supply the name and address of the CRA they contacted, provided the denial was based on information given by the CRA.
4. You have the right to a free copy of your credit report when your application is denied because of information supplied by the CRA. Your request must be made within 60 days of receiving your denial notice.

If you contest the completeness or accuracy of information in your report, you should file a dispute with the CRA and with the company that furnished the information to the CRA. Both the CRA and the furnisher of information are legally obligated to reinvestigate your dispute.

www.annualcreditreport.com

This central site allows you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.

 

AnnualCreditReport.com is the

official site to help consumers

to obtain their free credit report.


 

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Consumer Credit and
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