Credit report and credit score Rhode Island

Your credit report contains important information about you, including your address, bill payment history and public records, such as arrests, bankruptcies, judgments and liens.  Credit reporting agencies (Experian, Equifax and Trans Union) sell the information contained in your credit report to creditors, insurance companies, employers and landlords.

Reviewing your credit report on a regular basis can also help protect you from identity theft.  Credit reports with accounts that do not belong credit report and credit score Rhode Island to you may be a red flag that you may be a victim of identity theft.  Incorrect information on your credit report because of credit report and credit score Rhode Island identity theft can negatively affect credit report and credit score Rhode Island 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. free credit score check The Fair Credit Reporting Act (FCRA) promotes the accuracy and privacy of information in the credit reporting agencies files.  Under the FCRA, consumers have a right to a free annual file disclosure (free credit report) once in a 12 month time period.  credit report and credit score Rhode Island This right, to a 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, employment credit report and credit score Rhode Island or insurance because of information in your report. view credit report free You are also entitled to a free credit report if you are unemployed and plan to look for a job in the credit report and credit score Rhode Island next 60 days.  credit report and credit score Rhode Island 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 Jersey and Vermont have state laws which provide consumers with an additional right to a free credit report. Once you have received your credit reports, you should check each report for errors.  Under the FCRA, Equifax, Experian and Trans Union are responsible for correcting inaccurate or fraudulent information on your credit report after you dispute the credit report error. creditscore

Similarly, after you dispute errors to a consumer reporting agency, furnishers (companies that provide information about you credit report and credit score Rhode Island to the credit reporting agencies) are responsible for correcting inaccurate or incomplete information.