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Credit Report Accuracy

What To Do About an Inaccurate Credit Report

Last Updated August 5, 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.

How to Get a Free Copy of Your Credit Report

Last Updated August 4, 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 - U.S. Code Provisions

U.S. Code Title 15 > Chapter 41 > Subchapter I - Consumer Credit Cost Disclosure
U.S. Code Title 15 > Chapter 41 > Subchapter II-A - Credit Repair Organizations

Credit Report Accuracy - State Laws

MinnesotaMinnesota Statutes Chapter 13C - Access to Consumer Reports
North CarolinaNorth Carolina General Statutes Chapter 66 > Article 30 - Credit Repair Services Act
North Carolina General Statutes Chapter 75 > Article 7 - Credit Monitoring Services Act


Questions & Answers: Credit Report Accuracy

appreciate being able to see once a year...
How do I access the state of TN laws?...
Jennie, You can find and search the Tennessee Code here: http://www.lawserver.com/law/state/tennessee/tn-code/tennessee-code Credit reporting laws can be found just by searching ...
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