Obtain A Copy Of Your Credit Report - CREDIT RIGHTS

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TODAY'S SAVING TIP  Even though your creditor or the credit bureau can remove negative items whenever they choose, here are the rules set forth by the Fair Credit Reporting Act (FCRA): 1. Most negative items must be taken off in no more than seven years. 2. ... Read more
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CREDIT RIGHTS: Obtain a copy of your credit report


You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.

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