
How to Dispute Credit Report Errors Your report the credit Salt Lake City credit report--a type of consumer report--contains information about where you work and live and how you pay your report the credit Salt Lake City bills. It also may show whether you've been sued or arrested or report the credit Salt Lake City have filed for bankruptcy. Companies called consumer reporting agencies (CRAs) or credit bureaus report the credit Salt Lake City compile and sell your credit report to businesses. Because businesses use this information to evaluate your applications for credit, insurance, employment, report the credit Salt Lake City and other purposes allowed by the Fair Credit Reporting Act (FCRA), it's important that the information in your report is complete and accurate. Some financial advisers suggest that you periodically review your credit report for inaccuracies or omissions. This could be especially important if you're considering making a major purchase, such report the credit Salt Lake City as buying a home. true credit
Checking in advance on report the credit Salt Lake City the accuracy of information in your credit file could speed the credit-granting process.
Getting Your Credit Report If you've been denied credit, insurance, or employment because of information supplied by a CRA, the FCRA says the company you applied report the credit Salt Lake City to must give you report the credit Salt Lake City the CRA's name, address, and telephone number. If you contact the agency for a copy of your report within 60 days of receiving a denial notice, the report is free. In addition, you're entitled to one free copy of your report report the credit Salt Lake City a year if you certify in writing that (1) you're unemployed and report the credit Salt Lake City plan to look for a job within 60 days, (2) you're on welfare, or (3) your report is inaccurate because of report the credit Salt Lake City fraud. creditreport Otherwise, a CRA may charge you up to $9.00 for a copy of your report. If you simply want a copy of your report, call the CRAs listed in report the credit Salt Lake City the Yellow Pages under credit or credit rating and reporting. Call each credit bureau listed since more than one agency may have a file on you, some with different information. The three major national credit bureaus are: Correcting Errors Under the FCRA, both the CRA and the organization that provided the information to the CRA, such as a bank or credit card company, have responsibilities for correcting inaccurate or incomplete information in your report.
To protect all your rights under the law, report the credit Salt Lake City contact both the CRA and the information provider. First, tell the CRA in writing what information you believe is inaccurate. Include copies (NOT originals) of documents that support your position. In addition to providing your complete name and address, your letter should clearly identify each item in your report you dispute, state the facts and explain why you dispute the information, and request deletion or correction. get a free credit score report
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