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The Fair Consumer Credit Reporting Act (FCRA) entitles you to a free consumer credit report to enable you to check your credit report, if any of the following apply: 1) If you have been turned down for a loan, insurance policy, or job on the basis of a consumer credit report and if you apply for a free consumer credit report within 60 days of being notified of the denial by the creditor, insurance company or potential employer or any other source that turned you down. You should be told the reason for being turned down by that source. This information must be included in your application to the consumer credit reporting agency. 2) If you are unemployed and will apply for unemployment within 60 days from the date you certify your unemployment with the consumer credit reporting agency from which you seek the report. 3) If you receive public assistance 4) If you suspect that due to some fraudulent activity, your file contains inaccurate information and you need to check your credit report and have all the inaccurate information removed with the help of credit reporting agencies How to read the consumer credit report? Having received your consumer credit reports, you should check your credit report very carefully and thoroughly. Each of the consumer credit reporting agencies provide reports that vary in format, clarity and completeness and ease of understanding. The various critical areas of information that need to be checked in your report are: --All details of your identity need to be checked for accuracy and as such you should make sure there are no errors in your name, address, current employment and social security number, or in any other personal information such as your date of birth or the name of your spouse. --You should check your credit report to make sure that debts charged to you are truly yours and that there are no accounts, debts, bankruptcies, tax liens or other judgments that do not belong to you or are still listed as open even though they have been resolved. --Ensure accuracy of your payment history and balances --Make sure that the inaccuracies that you had successfully disputed have been amended --Check that all the information in your credit report is accurate and not misleading. Ensure that the status of your accounts is current and that there are no accounts inaccurately marked as delinquent or in collections. --The reports of each credit bureau (Equifax, Experian, TransUnion) should have complete and consistent information. When you provide personally identifiable information for obtaining free consumer credit report, there are limits on how consumer credit reporting agencies can use and share that information. This information is unique to you and it can only be used to process your request, to update nationwide consumer credit reporting agency databases, to process transactions you requested at the same time as your request for a free annual consumer credit report, and to comply with applicable law. Should anything be bought to get the free consumer credit report? There are many advertisements and other offers for purchasing additional products or services when you make your request for your free consumer credit report but you should not be allured by them as you do not need to buy anything to get your free consumer credit report, which can be procured from all the three major credit bureaus to check for negative entries. The advertisements and offers could be for obtaining your credit score or to sign up for a credit monitoring service. There is no need to purchase any of these products or services to get your free report. However, it is recommended that you purchase your credit score from one of the consumer credit reporting agencies to have a complete picture of your credit situation. You can check your credit report for free if you take care of the above aspects. |
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