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The federal Fair Credit Reporting Act (FCRA) promotes the accuracy and privacy of information in the files of the nations consumer reporting companies kobe bryant 7. Some financial advisors and consumer advocates suggest that you review your credit report periodically.
Why Because the information it contains affects whether you can get a loan and how much you will have to pay to borrow money kobe bryant 7. To make sure the information is accurate, complete, and up-to-date before you apply for a loan for a major purchase like a house or car, buy insurance, or apply for a job.
To help guard against identity theft. Thats when someone uses your personal information like your name, your Social Security number, or your credit card number to commit fraud kobe bryant 7. Identity thieves may use your information to open a new credit card account in your name.
Then, when they dont pay the bills, the delinquent account is reported on your credit reportkobe bryant 7. Inaccurate information like that could affect your ability to get credit, insurance, or even a job.
Getting Your Credit Report An amendment to the FCRA requires each of the nationwide consumer reporting companies Equifax, Experian, and Trans Union to provide you with a free copy of your credit report, at your request, once every 12 months. Other situations where you might be eligible for a free report Under federal law, youre also entitled to a free report if a company takes adverse action against you, such as denying your application for credit, insurance, or employment, based on information in your report. You must ask for your report within 60 days of receiving notice of the action. The notice will give you the name, address, and phone number of the consumer reporting company. Youre also entitled to one free report a year if youre unemployed and plan to look for a job within 60 days; if youre on welfare; or if your report is inaccurate because of fraud, including identity theft. Otherwise, a consumer reporting company may charge you up to $10.