How To Get A Copy Of Your Credit Report

Credit reporting agencies (CRAs) provide employers, insurance companies, landlords, and credit card companies with copies of your credit report. If you were ever denied credit or service as a result of the information on your credit report, you are entitled to a free copy of that credit report. In order to obtain your free copy, you need to know the name, contact numbers and address details of the CRA that furnished the report to the business that denied you.

In order to receive you free credit report you need to contact the CRA within 60 days of receiving your denial letter. As provided under the Fair Credit Reporting Act (FCRA), certain other circumstances may also entitle you to one free copy of your credit report each year. If you were a victim of fraud, receive welfare, or are unemployed and will be seeking employment within the next two months, you may receive a free copy of your credit report. If you don’t meet these criteria, A CRA could charge you up around $9.00 if you need a copy of your credit report.

If you are denied credit or service, you need to find out the reason for denial. Reviewing your credit report and checking for errors is important. If you need credit in the future, you’ll have to take steps to improve your credit rating now. If you take the steps now, you can avoid denials in the future.

If by some chance you find a mistake on your credit report, you need to contact the CRA immediately. Write a formal letter identifying the information that is incorrect and a request that the incorrect information be deleted from your report. Include copies of supporting documents that will backup your claim. It is a good idea to include a copy of your credit report and highlight or circle the information that needs to be corrected. Don’t forget to include your own Contact information so that the CRA can reach you if they have any questions.

Legally, a CRA must investigate your dispute within one month of your initial claim. The CRA must go back to their source of the disputed information. If the CRA finds that there was indeed a mistake on your credit report, they are responsible for contacting all of the CRAs in the country regarding this mistake. By doing this, all of this CRA’s we’ll have your corrected information and there will be no chance of another credit report containing wrong information. Once the mistake as been corrected, you should obtain another copy of your report to double check that the report is accurate.

Repairing damaged credit can take a lot of effort on your part. In order to prove that the CRA has made an error, you may have to research the matter with your bank as well as within your own files to find the correct information. In the end, you may be rewarded with a higher credit score, and a better credit report.

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