Free credit report canada Harrisonburg

Companies called consumer reporting agencies (CRAs) or credit bureaus compile and sell your credit report to businesses. Because businesses use this information to evaluate your applications for credit, insurance, employment, and free credit report canada Harrisonburg other purposes allowed by the Fair Credit Reporting Act (FCRA), it's important that the information free credit report canada Harrisonburg in your report is complete and accurate.

Some financial advisers suggest that you periodically review your credit report for inaccuracies or omissions. This could be especially important if you're considering making a major purchase, such as buying a home. Checking in advance on the accuracy of information in your credit file could speed the credit-granting process. Getting Your Credit free credit report canada Harrisonburg Report If you've been denied free credit report canada Harrisonburg credit, insurance, or employment because of information supplied by a CRA, the FCRA says the company you applied to must give free credit report canada Harrisonburg you the CRA's name, address, and telephone number. If you contact the agency for a copy of your report within 60 days of receiving a denial free credit report canada Harrisonburg notice, the report is free. check report online free credit report In addition, you're entitled to free credit report canada Harrisonburg one free copy of your report a year if you certify in writing that (1) you're unemployed and plan to look for a job within 60 days, (2) you're on welfare, or (3) your report is free credit report canada Harrisonburg inaccurate because of fraud. Otherwise, a CRA may charge you up to $9.00 for a copy of your report.

If you simply want a copy of free credit report canada Harrisonburg your report, call the CRAs listed in the Yellow Pages under free credit report canada Harrisonburg credit or credit rating and reporting. Call each credit bureau listed since more than one agency may have a file on you, some with different information. The three major national credit bureaus are: Correcting Errors Under the FCRA, free credit report canada Harrisonburg both the CRA and the organization that provided the information to the CRA, such as a bank or credit card company, have responsibilities for correcting inaccurate or incomplete information in your report. free credit report every year To protect all your rights under free credit report canada Harrisonburg the law, contact both the CRA free credit report canada Harrisonburg and the information provider. First, free credit report canada Harrisonburg tell the CRA in writing what information you believe is inaccurate.

Include copies (NOT originals) of free credit report canada Harrisonburg documents that support your position. In addition to providing your complete name and address, your letter should free credit report canada Harrisonburg clearly identify each item in your report you dispute, state the facts and explain why you dispute the information, and request deletion or correction. You may want to enclose a copy of your report with the items in free credit report canada Harrisonburg question circled. Your letter may look something like the sample below.

Send your letter by certified mail, return receipt requested, so you can document what the CRA free credit report canada Harrisonburg received. Keep copies of your dispute letter and enclosures. CRAs must reinvestigate the items in question--usually within 30 days--unless they consider your dispute frivolous.

They also must forward all relevant data you free credit report canada Harrisonburg provide about the dispute to the free credit report canada Harrisonburg information provider. free credit re port After the information provider receives notice of a dispute from the CRA, it must investigate, review all relevant information provided by the CRA, and report free credit report canada Harrisonburg the results to the CRA. If the information provider finds the disputed information to be inaccurate, it must notify all nationwide CRAs so they can correct this information in your file. l Disputed information that cannot be verified must be deleted from your file.