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Credit Report and Score<br>Related Legal Information  

Credit Report and Score
Related Legal Information

To better understand the issues relating to your legal situation or problem, our legal information and other law related facts may be of interest to you

 
 

Who is eligible for a free Credit Report?


By Federal law, you are entitled to one free Credit Report per year directly from a Credit Reporting agency only if you certify that:
 
You are unemployed and seeking employment in the next 60 days
 
You are receiving public assistance
 
You believe there are inaccuracies in your report due to fraud
 
Also if you have been denied credit on the basis of information in a Credit Report, you are entitled to a free copy of your report from the bureau that supplied the Credit Report. Residents of Colorado, Maryland, Massachusetts, New Jersey, and Vermont are entitled by state law to one free Credit Report from a credit-reporting agency per year. Residents of Georgia are entitled to two.
 
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Legal Articles about Credit Report
Credit Report Frequently Asked Questions   Start to work under Free Credit report, Who is eligible for a free credit report?
 
 

NEWS

 
Credit report correction techniques  

Credit report correction techniques

Many times the credit bureau is busy and does not handle your dispute properly ...
Basic rights under The Fair Credit Reporting Act  

Basic rights under The Fair Credit Reporting Act

All Federal Laws are in consumer's favor and you will have the advantage ...
Credit scoring and the lending industry  

Credit Scoring and the Lending Industry

Credit scoring is crucial to your ability to get a loan. When you apply for a mortgage, your lender ...

Get to know your credit score

WAVE
One of the first steps is to know your credit score. By law, we all have access to three free credit reports each year, one from each of the nationwide consumer reporting companies- Equifax, Experian and TransUnion. But that report doesn't tell you the ...
Get to know your credit score

Correcting inaccuracies in credit reports

High Plains Journal
By John Forshee I have previously discussed the importance of obtaining a free credit report once per year. One of the tasks that I encourage folks to do once they get the report is to look it over for accuracy. This column is for those that find ...
Correcting inaccuracies in credit reports
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