Each year, thousands of consumers are turned down for credit cards, mortgages, student loans, other important loans, and employment and housing opportunities due to inaccurate information in their credit reports. You DO have the right to view your credit report, know what information is contained therein. You also have the right to dispute that information if it is wrong or outdated and have it removed from your report. CreditReportProblems.com offers free information regarding consumer rights.
The authentic website to visit for free credit reports. This site allows you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.
The Office of Public Affairs develops communications campaigns to promote the Federal Trade Commission’s activities and programs. As the official news bureau for the FTC, our primary objective is to help American consumers understand what the FTC is, what it does, and the value the FTC adds to their lives.
The Fair Credit Reporting Act (FCRA) is a US federal law that regulates the collection, dissemination, and use of consumer information, including consumer credit information. Along with the Fair Debt Collection Practices Act (FDCPA), it forms the base of consumer credit rights in the US.
Statutes Listed below are the credit reporting agencies websites:
Helpful consumer rights videos created by Francis Mailman Soumilas, P.C.