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Credit ratings have important impact on your life. It can affect whether you get a loan on a car or house, or even a job. That's why it is important that you know your rights when it comes to your credit.
There are federal laws that dictate what information can and cannot be used in your credit report. The Fair Credit Reporting Act was created to protect the consumer from inaccurate credit report information. Before that act, credit reports were not made available to consumers. You're now entitled to see your credit report and given the opportunity to get mis-information rectified. That's why it is critical that you review your credit frequently to ensure that incorrect information does not go uncorrected.
Top Credit Rights Tips from AskMrCredit.com
Are there any laws that regulate credit repositories?
The Fair Credit Reporting Act is a federal law that regulates the credit reporting industry. It states that consumers have the right to know the contents of their credit file, the right to challenge ...Read moreEstablish and protect your credit - how to establish credit
Begin by opening individual savings and checking accounts in your name. Over time, your deposits, withdrawals, and transfers will demonstrate that you can handle money responsibly. Applying for a ...Read moreHow does an investigative consumer report differ from a credit report?
Some credit reporting agencies and investigation companies compile what is known as "investigative consumer reports." Such reports are covered under the FCRA and laws in many states. An investigative ...Read moreIssuing credit reports
Credit bureaus, the most common type of consumer reporting agency (CRA) that compiles and issues credit reports, are required to help you understand your report. Reports can be issued only to those ...Read moreCancelling a mortgage
Truth in Lending gives you a chance to change your mind on one important kind of transaction--when you use your home as security for a credit transaction. For example, when you are financing a major ...Read moreObtain 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, ...Read moreFair credit reporting act
The Fair Credit Reporting Act promotes the accuracy and privacy of information in consumer credit reports. It also controls the use of credit reports and requires consumer reporting agencies to ...Read moreIf you're turned down
Remember, your gender or race may not be used to discourage you from applying for a loan. And creditors may not hold up or otherwise delay your application on those grounds. Under the Equal Credit ...Read moreDispute the accuracy of information in your credit report
You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or ...Read moreAdditional tips for solving credit problems
If you want to contest a credit report, bill or credit denial, contact the appropriate company in writing and send it "return receipt requested." When you contest a billing error, include your ...Read moreShowing 1 to 10 of 62 Facts
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About your credit rights
Credit is valuable. The importance of how much credit you have and how you use it goes far beyond shopping. Whether you have good or poor credit can affect where you live and even where you work, because your credit record may be considered by prospective employers. That is why you need to understand how credit is awarded or denied and what you can do if you are treated unfairly. Get a free credit report today.
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