Free credit and report Atlanta

Reviewing your credit report on free credit and report Atlanta a regular basis can also help protect you from identity theft.  free credit and report Atlanta Credit reports with accounts that do not belong to you may be a red flag that you may be free credit and report Atlanta a victim of identity theft.  Incorrect information on your credit report because of identity theft can negatively affect free credit and report Atlanta your ability to get employment, credit or insurance. Burke, Harvey & Frankowski, LLC represents consumers in individual lawsuits and class action lawsuits against credit reporting agencies and companies who furnish information to the credit bureaus.

The Fair Credit Reporting Act (FCRA) promotes the accuracy free credit and report Atlanta and privacy of information in the credit reporting agencies files.  Under the free credit and report Atlanta FCRA, consumers have a right to a free annual file disclosure (free credit free credit and report Atlanta report) once in a 12 month time period.  This right, to a free credit and report Atlanta free annual credit report, is in addition to your right to your credit file under many different circumstances.  For example, you are also entitled to a free credit report if a company takes an adverse action against you, such as denying you credit, free credit and report Atlanta employment or insurance because of information in your report. credit report and score for free You are also entitled to a free credit report if you are unemployed and plan to look for a job in the next 60 days.  This is an important federal right.  If you are unemployed and looking for a job it is a good idea to review your credit report before your future employer does.  This will give you an opportunity to correct any errors before your future employers see your credit reports. Some states, such as Colorado, Georgia, Maine, Maryland, Massachusetts, New free credit and report Atlanta Jersey and Vermont have state laws which provide consumers with an additional right to a free credit report. Once free credit and report Atlanta you have received your credit reports, you should check each report for free credit and report Atlanta errors.  Under the FCRA, Equifax, Experian free credit and report Atlanta and Trans Union are responsible for correcting inaccurate or fraudulent information on free credit and report Atlanta your credit report after you dispute the credit report error. check my credit report Similarly, after you dispute errors to a consumer reporting agency, furnishers (companies that provide information about you to the credit reporting agencies) are responsible for correcting inaccurate or incomplete information.

HOW DO I DISPUTE CREDIT REPORT ERRORS? 1.  Notify the credit reporting agency in writing of the information you believe is free credit and report Atlanta incorrect.  When you send your dispute free credit and report Atlanta letter to Equifax, Experian or Trans Union you should include supporting documents, free credit and report Atlanta such as proof of payment or an ID Theft Affidavit. You should also include your contact information, name, address, and Social Security number.

The credit dispute free credit and report Atlanta letter should be sent by certified mail with a return receipt requested.  Explain to the credit reporting agency what is inaccurate and why it is free credit and report Atlanta incorrect.  You should request the credit reporting agency to delete the inaccurate information from your credit file.    A copy of the dispute letter free credit and report Atlanta should be kept if needed in the future, especially if you end up free credit and report Atlanta hiring a lawyer to sue the credit reporting agencies because they did free credit and report Atlanta not delete the credit report errors. get your free credit report online

2.  Notify the creditor or furnisher in writing that you dispute an item.  When you send your dispute letter to the creditor or furnisher you should include copies of any supporting documents, such as proof of payment or a fraud affidavit. You should also include your contact information, name, address, and account number. Explain what is free credit and report Atlanta inaccurate and why it is incorrect.  You should request the inaccurate information to be deleted from your file.  The dispute letter should be free credit and report Atlanta sent by certified mail with a return receipt requested.  A copy of the dispute letter should be kept if needed in the future, especially free credit and report Atlanta if you end up hiring a lawyer.