Kimbery Credit Counselings Blog
Wednesday, August 04, 2004
Fair Credit Reporting Act
If you’ve been denied credit, insurance or employment you are then entitled to a free copy of your credit report and make sure that you request the report within 60 days of the notice you received, or if you can prove that
- you are presently unemployed and plan to look for a job within the next 60 days,
- you are on welfare or
- your credit report is inaccurate because of fraud.
The company to which you applied for a job or credit card must give you the name and address of the reporting credit bureau, if your application for credit, insurance, or employment is denied because of inaccurate or incomplete credit information.
There is no charge to dispute mistakes or outdated information on your credit record. Ask the credit bureau for a dispute form and submit it with any supporting documentation.
Know Your Rights
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