Credit report - Free online credit report - Online credit report - Credit report repair - Free credit report - Credit bureau report - Consumer credit report
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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
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Learn what's in your Credit Report and how you can get a copy of Credit Report.
If you've ever applied for a charge account, a personal loan, insurance, or a job, there's a file about you. This file contains information on where you work and live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy.
Companies that gather and sell this information are called Consumer reporting agencies. The most common type is the Credit bureau. The information they sell about you to creditors, employers, insurers, and other businesses is called a Credit Report.
The Fair Credit Reporting Act (FCRA), enforced by the Federal Trade Commission, is designed to give accuracy and privacy to the information used in Consumer reports. Recent amendments to the Act expand your rights and place additional requirements on Credit Report agencies. Businesses that supply information about you to Credit Report agencies and those that use Credit Reports also have new responsibilities under the law.
To find out the Credit bureaus maintaining your file, contact the three major national Credit bureaus, which are: - Equifax, P.O. Box 740241, Atlanta, GA 30374-0241, - Experian, P.O. Box 2104, Allen, TX 75013, - Trans Union, P.O. Box 1000, Chester, PA 19022.
In addition, anyone who denies your application for credit, insurance, or employment, on the basis of a Credit Report, must give you the name, address, and telephone number of the CRA that provided the Credit Report.
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Return to all Credit Report legal information
Legal Articles about Credit Report
Credit Report Frequently Asked Questions
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