Credit-Score-Reports.com

Credit-Score-Reports.com

Credit Report Obtaining your Credit Report Your Rights As A Consumer What Is Credit Scoring FICO® Scores Know Your Credit Bureaus Raising Your Credit Score Your Past Credit Paying Old Debts Closing - Adding Accounts Credit Report Inquiries About Bankruptcy Credit Repair Companies Monitor Your Credit Report Analyzing and Disputing Some Do's and Don'ts Improving Your Credit Score Reviewing your Credit Report The Dispute Process Letter Statements Letter Statements 2 Letter to Inquiring Creditors Settling Debts Overwhelmed Solution Resources

Disclaimer: For Legal reasons, this website provides general credit report information only.  Please consult with a financial attorney or credit advisor to discuss any legal or financial issues involved with these or any credit decisions. Information here is not to be taken as legal advice.

Your Credit Report

Your Rights As A Consumer Under the Federal Fair Credit Reporting Act, you may: •     Obtain a credit report from the credit bureaus at no charge within 60 days of being denied credit, insurance or employment. •     Dispute any information on the credit report that you feel is listed incorrectly. The credit bureau must re-investigate and verify the information (Usually within 30 days) •     Have negative information (late payments, judgments, ect.) removed after 7 years. Bankruptcies may take 10 years to come off depending which chapter was filed. You may obtain detailed information about bankruptcy here. •     Be represented by anyone of your choice from the credit bureau. •     Submit a consumer statement in your file to tell your side regarding any negative information. •     Have the credit bureau notify those you name, who have previously received incomplete or incorrect information on you and provide them with the correct credit report. •     Have your credit report withheld from anyone, who under the law, does not have a legitimate need for the report. •     Sue the credit bureau if they negligently or willfully violate the law.

"I couldn't believe it! I checked over my credit report and found an error from an issue I thought I had worked out years ago. By using your information I was able to clear it up and could then get that loan I wanted at a lower interest rate than previously expected"

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