You are entitled to one free credit report every 12 months from each of these agencies as well as a free credit report if you are denied credit. If you are refused a loan, the lender has to, by law, notify you in writing and tell you the reason why. If the reason was based upon information obtained from one of the three credit reporting agencies, you can send them the letter and a request for a government credit report. They have to give this to you for free.
Even if your credit is less than perfect, you should take advantage of this law if you ever get refused credit. In some cases, there could be a mistake on your credit report that does not even belong to you. In other cases, an identity thief could be using your name and social security number to rack up charges in your name without you even knowing it. Identity thieves are very clever and will direct bills and information to another address. You could have charges in your name without even knowing what they are.
You can get a government credit report from each of the agencies by writing or phoning them or you can get a report from other agencies that act as mediators online. There are various agencies online that can give you your free government credit report very quickly, something that may be of value if you feel that you have been the victim of identity theft. These agencies usually charge a small fee, but it can sometimes be worth the price as they will get you all three credit reports in record time and save you a lot of hassle.
It is very important for everyone to know their credit report information. This information is not only given to lenders, but in some cases potential employers will ask for a credit report. Landlords also customarily ask for a credit report. You may think that good credit is not important, but you are wrong. It follows you everywhere. And if you have good credit, you have a right to maintain it and not let someone else use it.
Make sure that you start today in maintaining your good credit. Get a government credit report from all three of the credit reporting agencies and make sure that you dispute any information that does not seem accurate. Once you dispute an inaccuracies, it is up to the creditor who reported the matter to prove that you had the debt. If they cannot prove this, they have to remove the information from the credit report.
The credit bureaus cannot remove information on their own. They have to remove any erroneous information, however, if it is disputed and not found to be accurate. The credit reporting laws are there to protect you as a consumer. Make sure that you get your free government credit report as entitled.
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