What Should You Do If You Are Denied Credit Because Of Something In Your Credit Report? - CREDIT REPORT

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TODAY'S SAVING TIP  If you tell a Credit Reporting Act that your file contains inaccurate information, the Credit Reporting Act must investigate the items (usually within 30 days) by presenting to its information source all relevant evidence you submit, unless your ... Read more
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CREDIT REPORT: What should you do if you are denied credit because of something in your credit report?


The lender who denied you credit must give you the name and address of the credit bureau that produced the credit report. Then, you have up to 30 days to request a free copy of your report. The credit bureau must tell you the nature and substance of all information contained in your report. It must also tell you the sources of the information and who has received your report for the previous six months (two years for reports furnished for employment purposes). Late and missed payments will show up on your credit report and hurt your chances of being approved for credit, life insurance, or employment. To find out about organizations in your area that help consumers solve credit problems and create a budget, contact the National Foundation for Consumer Credit at (800) 388-2227. Spanish speakers can call (800) 682-9832. Additional information on improving a credit rating can be found in "How to Establish, Use, and Protect Your Credit," a brochure by the Federal Reserve Bank of San Francisco.

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