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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 Cheap Nike Air Force Max CB Australia , insurance, employment, and other purposes allowed by the Fair Credit Reporting Act (FCRA), it's important that the information in your report is complete and accurate.


Some financial advisors suggest that you periodically review your credit report for inaccuracies or omissions. 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 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 Cheap Nike Air Force 270 Australia , the FCRA says the company you applied to must give you the CRA's name, address, and telephone number. 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 Cheap Nike Air Force 1-100 Australia , 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 have a file on you, some with different information. The three major national credit bureaus are:




Equifax, P.O. Box 740241, Atlanta, GA 30374-0241; (800) 685-1111.


Experian P.O. Box 2002, Allen Cheap Nike Air Force 1 SP Australia , TX 75013; (888) EXPERIAN (397-3742).


Trans Union, P.O. Box 1000, Chester, PA 19022; (800) 916-8800.




Correcting Errors


Under the FCRA, both the CRA and the organization that provided the information to the CRA, such as a bank or credit card company, have responsibilities for correcting inaccurate or incomplete information in your report. To protect all your rights under the law Cheap Nike Air Force 1 Shell Australia , contact both the CRA and the information provider.


First, tell the CRA in writing what information you believe is inaccurate. Include copies (NOT originals) of documents that support your position. In addition to providing your complete name and address, your letter should clearly identify each item in your report you dispute, state the facts and explain why you dispute the information, and request deletion or correction. You may want to enclose a copy of your report with the items in question circled. Your letter may look something like the sample below. Send your letter by certified mail, return receipt requested, so you can document what the CRA received. Keep copies of your dispute letter and enclosures.


CRAs must reinvestigate the items in question--usually within 30 days--unless they consider your dispute frivolous. They also must forward all relevant data you provide about the dispute to the information provider. After the information provider receives notice of a dispute from the CRA Cheap Nike Air Force 1 N7 Australia , it must investigate, review all relevant information provided by the CRA, and report the results to the CRA. If the information provider finds the disputed information to be inaccurate, it must notify all nationwide CRAs so they can correct this information in your file. l Disputed information that cannot be verified must be deleted from your file.


If your report contains erroneous information, the CRA must correct it.


If an item is incomplete, the CRA must complete it. For example, if your file showed that you were late making payments Cheap Air Force 1 Mid Mens Australia , but failed to show that you were no longer delinquent, the CRA must show that you're current.


If your file shows an account that belongs only to another person, the CRA must delete it.


When the reinvestigation is complete, the CRA must give you the written results and a free copy of your report if the dispute results in a change. If an item is changed or removed, the CRA cannot put the disputed information back in your file unless the information provider verifies its accuracy and completeness, and the CRA gives you a written notice that includes the name, address Cheap Nike Air Force 1 Mid Australia , and phone number of the provider.


Also, if you request, the CRA must send notices of corrections to anyone who received your report in the past six months. Job applicants can have a corrected copy of their report sent to anyone who received a copy during the past two years for employment purposes. If a reinvestigation does not resolve your dispute, ask the CRA to include your statement of the dispute in your file and in future reports.


Second, in addition to writing to the CRA, tell the creditor or other information provider in writing that you dispute an item. Again, include copies (NOT originals) of documents that support your position. Many providers specify an address for disputes. If the provider then reports the item to any CRA Nike Air Force 1 Mid Australia , it must include a notice of your dispute. In addition, if you are correct-that is, if the disputed information is not accurate-the information provider may not use it again. Accurate Negative Information When negative information in your report is accurate, only the passage of time can assure its removal. Accurate negative information can generally stay on your report for 7 years. There are certain exceptions:




Information about criminal convictions may be reported without any time limitation.


Bankruptcy information may be reported for 10 years.


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