Credit report history Shreveport

Options theme by Justin credit report history Shreveport Tadlock The rules behind getting a free credit report The Credit Guy The Credit Guy, Todd Ossenfort, is a credit expert and answers readers' questions about credit, counseling and debt issues.

Ask a question 'The Credit Guy' archives credit report history Shreveport Dear Credit Guy, I've contacted credit report companies and was told that I must pay for any credit report.You could help me in this effort by identifying the law that defines the requirements for consumers to receive credit report history Shreveport a free credit report from the credit report history Shreveport reporting companies. It is so much credit report history Shreveport easier to approach these people with facts and ask to speak with the supervisor.Thanks for whatever you can do. -- Lorraine Dear Lorraine, I would be happy to help.

The Fair and Accurate Credit Transactions Act (FACTA) provides that the three major credit reporting bureaus (credit report history Shreveport Equifax, Experian, and TransUnion) must provide a free copy of your credit report every 12-month period. credit scoring The rules issued by the Federal Trade Commission also provide that you must be able to make your request of all three bureaus with one phone call, letter or website inquiry.

You may call 1-877-322-8228, visit www.annualcreditreport.com or complete the Annual Credit Report Request Form and mail credit report history Shreveport it to: Annual Credit Report Request credit report history Shreveport Service, P.O. credit report history Shreveport Your keys to getting into the credit report history Shreveport 700-plus credit score club Having a credit report history Shreveport solid credit history with a credit score over 700 will open doors to money-saving opportunities -- from low-interest mortgages and loans to lower APR credit cards, better insurance rates and even jobs. free credit Here are a slew credit report history Shreveport of tips that can help get you and keep you in the credit report history Shreveport 700-plus credit score club. Be aware that to receive your free annual copy credit report history Shreveport of your credit report from the bureaus, the request must be submitted as above. You may not contact the bureaus directly for your free annual report. In addition, the Fair Credit Reporting Act provides that the three major credit bureaus must provide you a free copy of your credit report from their bureau:

If any adverse action has been taken as a result of information included in your credit report. Adverse actions would include being denied credit report history Shreveport for credit, employment or housing or credit report history Shreveport receiving a higher insurance rate. After placing a fraud alert on your credit reports or any other actions credit report history Shreveport as a result of being a victim of identity theft. After disputing inaccurate information included on your report.

These requests for free reports should be made directly with credit report history Shreveport the bureau involved. I recommend that you check your report from each of the three bureaus each year. credit score free You will want to assure that all information is accurate and belongs to you.

Keep in mind that credit report history Shreveport all negative information that is correct will remain on your credit report for seven years from the first credit report history Shreveport date of delinquency. Bankruptcies will credit report history Shreveport remain on your report for 10 years.

Credit card videos For more on this topic, check out this video: How to improve your credit score You can dispute information that you believe to be inaccurate with the bureau that reported it.

You have the option to file a dispute online or by mail.