Credit report online free Macon

The federal Fair Credit Reporting Act (FCRA) is designed to promote accuracy, fairness and confidentiality of information in the files of all credit reporting agencies (CRA). Most of these agencies are credit report online free Macon credit bureaus that gather and sell information about you - for example, if you pay your bills on time or have credit report online free Macon filed bankruptcy - to creditors, employers, landlords and other businesses. You can find the full text of the FCRA, 15 USC § § 1681-1681u, at the site of the FTC (http://www.ftc.gov).

The FCRA gives you specific rights, as described below.

You may have additional rights under the law of the state. You can contact an agency to protect the consumer's credit report online free Macon state or local or general counsel of the State to obtain those rights. • You must be told if information in your credit report online free Macon file has been used against anyone who uses information from a CRA to take action against the -.such as denying an application for credit, insurance or employment - must say, and give it the name, address and telephone number of the CRA that provided the consumer report. www credit report free

• You can find out what is on file.

In its request, a CRA must give you the information in your file, and a list of all those who asked recently.

There is no charge for the report, if a person has taken action against you because of information supplied by the CRA, if you request the report within credit report online free Macon 60 days of receipt of the action. You are also entitled to one free report every twelve months from the request if you certify that (1) are unemployed and plan buscarempleo in credit report online free Macon 60 days, (2) receives public assistance, or (3) your report is inaccurate because of fraud. • You can dispute inaccurate information with the CRA. If you tell a CRA that your credit report online free Macon file contains inaccurate information, the credit report online free Macon CRA must investigate the items (usually within 30 days) by presenting to its information source all relevant evidence you submit, unless your dispute is frivolous. how to request free credit report

The source must review your evidence and report its findings to the CRA.

(The source must also inform these national organizations - credit report online free Macon that provided data -. any error) The CRA must give a written report of the investigation, and a copy of your report credit report online free Macon if the results of the investigation of any change . If the CRA investigation does not resolve credit report online free Macon the dispute, you can add a brief statement to your file. The CRA must normally include a summary of your statement in future reports. If an item is deleted or a dispute statement is filed, you can credit report online free Macon ask someone who has recently received your report be notified of the change.

· The inaccurate information must be corrected or deleted. A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after your dispute. However, the CRA is not required to remove accurate data from your file unless it is outdated (as described below) or credit report online free Macon not be verified. If they result in a change in its report, the CRA can not reinsert into your file a disputed item unless the information credit report online free Macon source verifies its accuracy and completeness. free credit reporting act