Expert Advice When You Need It Most
Posted about 3 years ago. 3 helpful votes, 0 comments
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You Have the Right to Obtain Your Credit ReportThe law requires a credit reporting agency to provide you with all the information in its files concerning your credit status. This information includes: (1) The nature and substance of information in its records concerning your loan activities; (2) The entity that reported the information; and (3) The name of anyone who has requested your report. 2
Where to Get Your ReportYou can get your free annual credit report through AnnualCreditReport.com. You can choose one or all three of the major credit agencies: Equifax, Experian and TransUnion to send you your report. Some commentators have recommended making make a request for a free report every four (4) months, by requesting it from only one of them, every four months, then rotating your requests among the others. 3
Right to Provide a Statement of DisputeYou have the right to dispute negative items on your credit report. If there are erors on your credit report, you should write to the particular credit agency and explain how the item is inaccurate and demand that the agency reinvestigate the disputed item. If their review does not resolve the dispute, YOU MAY ADD A STATEMENT of up to 100 words to the credit report describing the nature of the dispute. Be specific and give details. If you have filed a statement of dispute, the credit agency is required to indicate in all future reports requested by others that you dispute the specific item and must also provide your explanation of your position.. If a negative item is deleted as a result of a review based on your dispute, you can request that the credit agency provide a notice of that fact to anyone who received a credit report with the now-removed negative information in the past. Additional ResourcesGo to AnnualCreditReport.com to get your free credit report. Related Questions3 Attorney answers: 
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