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Know Your Credit Reporting Rights

• The three major national credit bureaus, Experian (formerly TRW), Equifax and Trans Union, have credit files on millions of consumers nationwide.
   
• You have a right to know what is in your credit report, including medical information and, usually, the sources of the information.
   
• Since mistakes are commonplace on credit reports, you should make sure your report is accurate.
   
• You can get your report for free if you are turned down for credit or another adverse action is based on a credit report. You must request your report within 60 days of receiving the notice of the action.
   
• You are entitled to one free report a year if you can prove that you are unemployed and plan to look for a job within 60 days, if you are on welfare, or if your report is inaccurate because of fraud.

Check Your Credit Report for Errors

• Equifax 
  1-800-997-2493
  www.equifax.com
   
• Experian
  1-888-397-3742
  www.experian.com
   
• Trans Union 
  1-800-888-4213
  www.transunion.com

Credit Bureau charges for a single copy of your report should be less than $10.00. There is no charge to correct inaccurate information a report contains.

Correct Inaccurate & Incomplete Reports

• Dispute, in writing, any inaccurate or incomplete information reported. Contact both the Credit Bureau (CB) and the firm providing the information. The company must investigate and report the results to the CB. If you are right, then all national CBs must be notified.
  
• If your dispute is not resolved, your statement can be placed in your file. Your dispute statement must be included anytime a report is made to a CB.
  
• Only people with a legitimate business need can get a copy of your report. An employer or prospective employer can only get your credit report if you give written consent. Creditors, employers, or insurers cannot get a report that includes medical information without your okay.
   
• Negative information can be reported for up to seven years, except bankruptcy details which may be reported for ten years. Knowledge of lawsuits or unpaid judgments can be reported for seven years or until the statute of limitations runs out, whichever is longer.

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