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Credit
Obtaining a Credit
Report
The Fair Credit Reporting Act was amended a few years
ago to strengthen consumer privacy rules. You are officially permitted to
acquire your credit report from a credit reporting agency. This even
includes getting a list of everybody that has asked for your report.
If you are deprived of credit based on data in your credit
report (the creditor needs to furnish a cause for refutation), you have 60
days from the day you take delivery of a rejection notice to be given a
complimentary copy of the credit report.
Law states
that you receive a free credit report every 12 months if you are without a
job and looking for work within the next 60 days, are on welfare or your
report is erroneous as a consequence of credit fraud.
Of course, you could pay to attain a credit report anytime. The three
major credit reporting agencies, or credit bureaus, are Equifax, Experian
and Trans Union (Dun & Bradstreet Credit Services provides credit
reports of businesses) have their own charges:
A few states, including
California and Connecticut, present a fee at a somewhat lower level.
Credit bureaus also present a variety of services related
to your credit report. For example, Equifax and Experian recently offered
a combination of your credit score and credit report for
$12.95-$14.95.
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