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A
credit report is a factual record of your credit payment history
maintained by a credit bureau. It's provided to companies and
individuals by credit bureaus for purposes permitted by law, usually
to grant you credit.
More than 205 million people in the United States have a credit
card, car loan, mortgage, or student loan. Almost every one of
them has a credit file. The information in your credit file is
obtained directly from the companies you have credit with, as
well as from government agencies such as the legal court systems.
There are three major credit bureaus in the United States: Experian,
TransUnion, and Equifax. Even though you are in good financial
shape, there is a possibility of identity theft or just a simple
error in credit reporting that might damage your credit file.
The best way to track changes in your credit profile is to purchase
a credit monitoring service. Usually the credit monitoring service
includes a credit report and updates for 30 days.
Your rights under the Fair Credit Reporting Act:
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.
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. Any company that denies your
application for credit must supply the name and address of the
Credit Reporting Agency (CRA) they contacted, provided the denial
was based on information given by the CRA.
You have the right to a free copy of your credit report when your
application for credit 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 investigate
your dispute. You have a right to add a summary explanation to
your credit report if your dispute is not resolved to your satisfaction.
Credit Reporting Agencies:
Equifax
Equifax Credit Information Services, Inc
P.O. Box 740241
Atlanta, GA 30374
To order report: 1-800-685-1111
To report fraud: 1-800-525-6285
Web site: www.equifax.com
|
Experian
(formerly TRW)
National Consumer Assistance Center
PO Box 2002
Allen, TX 75013
To order report: 1-888-397-3742
To report fraud: 1-888-397-3742
Web site: www.experian.com |
TransUnion
LLC
Consumer Disclosure Center
P.O. Box 1000
Chester, PA 19022
To order report: 1-800-888-4213
To report fraud: 1-800-916-8800
Web site: www.transunion.com |
The
FICO® Score Estimator, created by the inventor of the FICO®
score -- Fair Isaac -- will evaluate the information you enter
and estimate your credit score range based on that information.
Click
Here
If you would like to begin the loan application process and get
preapproved please click here.
