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TODAY'S CREDIT TIP
If you tell a Credit Reporting Act that your file contains inaccurate information, the Credit Reporting Act must investigate the items (usually within 30 days) by presenting to its information source all relevant evidence you submit, unless your ... Read more |
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SPECIAL REPORT ON CREDIT REPORTS AND CREDIT SCORESMore Information from the Government
The FDIC and the other federal banking regulators listed on "For General Information from Financial Regulators" have publications, Web sites, staff and other resources that can help answer your questions about credit and your rights as a consumer.
The Federal Trade Commission enforces a number of federal laws concerning consumer credit and nonbank companies, such as credit bureaus. For general information, including consumer brochures and procedures for filing a complaint involving your credit files or an identity theft, call toll-free 877-FTC-HELP—that's 877-382-4357—or go to www.ftc.gov.
Other consumer information from the federal government, including publications available from the Federal Citizen Information Center (call toll-free at 888-878-3256 or go to www.pueblo.gsa.gov) and the Web site FirstGov for Consumers (www.consumer.gov).
Your state government also may offer assistance and information to people having credit-related problems. Contact your state's Attorney General's office or consumer protection office as listed in your phone book or other directories, or visit your state's official Web site.
WHAT DO THE CREDIT BUREAUS INCLUDE ON THE CREDIT REPORTS?COURT RECORDS Bankruptcies, judgments, divorces, liens, satisfied judgments or liens are all considered court records and show up on your credit report as negative listings. Along with any payment histories on credit cards, mortgages, and other debt.WHAT DO YOU NEED TO RECEIVE A CREDIT REPORT?There are certain times when you are currently entitled to a copy of your report free, no matter where you live. In the event of an adverse decision related to your employment, the employer is required to give you a copy of your report. Otherwise, the free report should be requested from the CRA. You are entitled to a free credit report:
If you have been denied credit (you must request a copy within 60 days).
If you are unemployed and intend to apply for employment in the next 60 days.
If you are on public welfare assistance.
If you have reason to believe your file contains inaccurate information due to fraud.
If an adverse decision related to your employment has been made based in whole or in part on information contained in the report.
If your report has been revised based upon an investigation you request.
To get a copy of your report you will have to give the CRA certain information. The information you need to provide may vary slightly, depending on the CRA you contact.
Full name (and if a Jr., Sr., or II)
Social Security number
Driver’s license information
Current address and your address within the last five years
Date of birth
Signature
Home telephone number
Employer
For a copy of your report write, call, or connect online with:
Equifax, Inc.
P.O. Box 740241
Atlanta, GA 30374
(800) 685-1111
www.equifax.com
Experian
National Consumer Assistance
Box 2104
Allen, TX 75013-2104
(888) 397-3742
www.experian.com Trans Union LLC
Consumer ... Read more |
| What's a credit report? A report of an individual's credit history prepared by a credit bureau and used by a lender in determining a loan applicant's creditworthiness.
Credit reports are usually based on the individuals: credit history; who reviewed the credit history; information that has been given to the credit information company; specific identification information; and any explanatory notes and comments. |
| What is a credit score? A credit score is a number that lenders use to estimate risk. Experience has shown them that borrowers with higher scores are less likely to default on a loan.
Scores are generated by plugging the data from your credit report into software that analyzes it and cranks out a number. The three major credit reporting agencies don't necessarily use the same scoring software, so don't be surprised when you discover that the scores they generate for you are different.
Because the software used to calculate a vast number of reports was created by Fair Isaac Corporation (FICO), credit score reports are sometimes called FICO scores.
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