This file contains information about where you work and live, how you pay your bills, and if free credit report card Pittsburgh you have been sued, filed for bankruptcy.
Companies that gather and sell this information are free credit report card Pittsburgh called consumer reporting agencies (CAR). The most common type of CRA free credit report card Pittsburgh is the credit reporting agency.
Credit rating agencies sell your information to creditors, employers, insurers and free credit report card Pittsburgh other businesses is called a consumer report. credit reports free online
The Fair Credit Reporting Act (FCRA), enforced by the Federal Trade Commission, is designed to promote accuracy and ensure the confidentiality of the information used in consumer reports.
The recent amendments to the Act expand your rights and further requirements of the rating agencies. Companies that provide information about you to CRAs and those that use consumer reports also have new responsibilities under the law. 100 free credit report
Here are some common consumer questions about consumer reports and CRAs -. Note that the answers and you may have additional rights under state law. Contact your state Attorney General or local consumer protection for more information.
P. The CRA must have in its report, including, in most cases, the sources of information.
The CRA also must give you a list of everyone who has requested your report within the last year - two years for employment related requests. There is no charge if a company takes adverse action against you, such as denying your application for credit, insurance or employment, and request your report within 60 days of receipt of the notice of the action. monitor credit score The notice will give the name, address and telephone number of the CRA.
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