Credit reports three Butte

You can call our friendly staff toll free at 1-888-282-0447 for custom services. How to Dispute Credit Report Errors credit reports three Butte Your credit report--a type of consumer report--contains information about where you work and live and how you pay your bills. It also may show whether you've been sued or arrested or have filed for bankruptcy. Companies called consumer reporting agencies (CRAs) or credit bureaus compile and sell your credit report to businesses. Because businesses use this information to evaluate your applications for credit, insurance, employment, and other purposes allowed by the Fair Credit Reporting Act (credit reports three Butte 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. fair credit report act This could be especially important if you're considering making a major purchase, such as buying a home. Checking in advance on the accuracy of information in your credit file could credit reports three Butte 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 to must give you the credit reports three Butte CRA's name, address, and telephone number. 3 credit report 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 a year if you certify in writing that (1) you're unemployed and plan to look for a job within 60 days, (2) you're on welfare, or (3) your report is inaccurate because of fraud. 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 the Yellow Pages under credit or credit rating and reporting. Call each credit bureau listed since more than one agency may credit reports three Butte 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 credit reports three Butte card company, have responsibilities for correcting inaccurate or incomplete information in your report. check credit report free

To protect all your rights under the law, contact both the CRA and the information provider. First, tell the CRA in writing what information you believe is inaccurate.