You can obtain a free credit report from each of the three major credit bureaus. You can obtain the entire three reports at once, or you can get one report from every bureau at a time all the way through the year. Ficofreecreditreport.info
The three major credit bureaus - Equifax, Experian, TransUnion - gather credit information from banks and creditors. In some cases, a creditor may report incorrect charges in your account which can result to inaccurate reporting.
There are also instances when the bureau itself commits the error in recording the details in each consumer file. It is also likely that information from someone else's credit profile gets mixed up with your report. As a result, negative details can badly affect a person's credit rating. Your overall score may be much lower than it should be due to inaccuracies.
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According to the Fair Credit Reporting Act, consumers have the right to dispute errors in their reports. Thus, by checking your own report at least once a year, you have the opportunity to check your file for errors and request for corrections immediately. How can you correct errors in your file?
A consumer can send a credit dispute letter to the bureau that issued his/her report. Afterwards, the bureau will conduct an investigation regarding the dispute made. The procedure can engage in 30 days, and then the bureau will launch a letter to the appellant, informing him/her about the outcome of the investigation, along with the updated copy of his/her report.
Request Your Free Credit Report
You can obtain a free credit report from each of the three major credit bureaus. You can obtain the entire three reports at once, or you can get one report from every bureau at a time all the way through the year. There are also other instances when you may qualify to get a free copy of your report. For instance, if you have been denied credit by a banker, a lending company or an insurance company on account of your credit report, you can request for a free copy. If you are currently unemployed and prepare to look for a job within the next 60 days, you are also allowed for a free report. In some States such as Colorado, Georgia, Maine, Massachusetts, Maryland, New Jersey and Vermont, consumers are entitled to this service for free.
Get your Free Credit Report - http://ficofreecreditreport.info
source: prlog.org
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