Your Rights Under The Fair Credit Reporting Act!

Consumers have a right to know what is in their credit report:Consumer reporting agencies must provide you any and all information that is in your credit report upon your request.


Consumers have a right to protection against unlawful and widespread access to their credit report:
Consumer reporting agencies may only share the information in your credit report with persons or institutions that can prove that they have a legitimate and legal need for that information. Examples of legitimate persons and institutions include: Creditors (mortgage, auto, and department stores, for example), renters, insurers, and employers. Note: employers and potential employers cannot receive a copy of your credit report without your giving prior written consent to the party in question.


Consumers have a right to a free copy of the credit report:
Thanks to recent legislative updates and enhancements to The Fair Credit Reporting Act every consumer has the right to one free copy of their personal credit report per year. Take note, however. The free copy that the big three credit reporting agencies are obligated to provide is a basic report and not the enhanced report that includes your personal credit score. You will have to pay for that (usually about $5 per each report from Trans Union, Equifax, and Experian).


Consumers under certain circumstances have the right to an additional free copy of their credit report:
In addition to the free copy of one’s credit report that is available every twelve (12) months, consumers have the right to a free copy of their credit report in event that:

Someone undertakes unfavorable or fault-finding action against you due to information in your report.

You have been denied credit (Note: The request for a free copy of your report must be made within sixty (60) days of notification that you have been denied credit).

You are the victim of credit fraud or identity theft and you have placed a fraud alert on your report/file.

You are unemployed but plan on applying for employment within sixty (60) days.

You are receiving public assistance/welfare.

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