Credit Report Accuracy

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What To Do About an Inaccurate Credit Report

April 1, 2008
An inaccurate credit report can be very costly. The consequences range from higher interest rates on loans to denial of a job application. One study estimates that as many as 25% of credit reports contain inaccurate information. Here is a step by step guide to fixing an inaccurate credit report.
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How to Get a Free Copy of Your Credit Report

March 29, 2008

Your credit report is the key tool companies use to determine your creditworthiness. An excellent credit report helps you to get approval for financing as well as the best possible rates and terms. Obtaining a copy of your credit report can allow you to correct any errors and ensure that you have not become a victim of identity theft.

Free Annual Credit Report

The 2003 Fair and Accurate Credit Transactions Act allows you to obtain a free copy of your credit reports each year. There are three major credit bureaus: Equifax, TransUnion and Experian, each of which prepares its own report. It is important to obtain your free annual copy of each report, as they may differ.

Credit Report Accuracy - State Laws

Minnesota	Minnesota Statutes > Title 5 > Chapter 13C - Access to Consumer Reports
North Carolina	North Carolina Laws > Chapter 66 > Article 30 - Credit Repair Services Act

Notice of Negative Credit Report Information

Click map for specifics

Furnisher of information must notify a consumer when negative information is provided to a consumer reporting agency.

Only federal law applies

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