Reviewing your credit report on a regular basis can also help protect you from identity theft. Credit reports with accounts that do not belong to you may be a red flag that you may be a victim of identity theft. Incorrect information on your credit report because of identity theft can negatively affect your ability to get employment, credit or insurance. Burke, Harvey & Frankowski, LLC represents consumers in individual lawsuits and class action lawsuits credit report score free Lake Charles against credit reporting agencies and companies who furnish information to the credit report score free Lake Charles credit bureaus. The Fair Credit Reporting Act (FCRA) promotes the accuracy and privacy of information in the credit reporting agencies files. Under the FCRA, consumers have a right to a free annual file disclosure (free credit report) once in a 12 month time period.credit report score free Lake Charles This right, to a free annual credit report, is in addition to your right to your credit file under many different circumstances. For example, you are also entitled to a free credit report if a company takes an adverse action against you, such as denying you credit, employment or insurance because of information in your report. credit report and score for free You are also entitled to a free credit report if you are unemployed and plan to look for a job in the next 60 days. credit report score free Lake Charles This is an important federal right.credit report score free Lake Charles If you are unemployed and looking for a job it is a good idea to credit report score free Lake Charles review your credit report before your future employer does. This will give you an opportunity to correct any errors before your future employers see your credit reports. Some states, such as Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey and credit report score free Lake Charles Vermont have state laws which provide consumers with an additional right to a free credit report.
Once you have received your credit reports, you should check each report for errors. Under the FCRA, Equifax, Experian and Trans Union are responsible for correcting inaccurate or fraudulent information on your credit report after you dispute the credit credit report score free Lake Charles report error. credit identity theft Similarly, after you dispute errors to a consumer reporting agency, furnishers (companies that provide information about you to the credit reporting agencies) are responsible for correcting inaccurate or incomplete information. HOW DO I DISPUTE CREDIT REPORT ERRORS?credit report score free Lake Charles 1. Notify the credit reporting agency in writing of the information you believe is incorrect. When you send your dispute letter to Equifax, Experian or Trans Union you should include supporting documents, such as proof of credit report score free Lake Charles payment or an ID Theft Affidavit. You should also include your contact information, name, address, and Social Security number. The credit dispute letter should be sent by certified mail with a return receipt requested. Explain to the credit reporting agency what is inaccurate and why it is incorrect. You credit report score free Lake Charles should request the credit reporting agency to delete the inaccurate information from your credit file. A credit report score free Lake Charles copy of the dispute letter should credit report score free Lake Charles be kept if needed in the future, especially if you end up hiring a lawyer to sue credit report score free Lake Charles the credit reporting agencies because they did not delete the credit report errors. credit reporting 2. Notify the creditor or furnisher in writing that you dispute an item. When you send your dispute letter to the creditor or furnisher you should include copies of any supporting documents, such as proof of payment or a fraud affidavit.
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