What are my rights under the Fair Credit Reporting Act?
• You must be told if information in your history has resulted in adverse action. When information in your credit history results in a negative action, you must be told, and given the name, address, and phone number of the agency that provided the consumer report. • If you make the request within 60 days of receiving notice of the adverse action, the credit reporting agency which supplied the credit report will provide you a free copy of the information in your file. You also are entitled to one free report every twelve months upon request if you certify that: 1) you are unemployed and plan to seek employment within 60 days; 2) you are on welfare; or 3) your report is inaccurate because of fraud. Otherwise, the credit reporting agency may charge you up to eight dollars. • You can dispute inaccurate information with a credit reporting agency. If you tell a credit rearing agency that your file contains inaccurate information, the credit reporting agency must investigate the items (usuall
