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Check your credit report will focus on these situations This single question has good reason to look at your credit report today. The best way to detect identity fraud with their name is to obtain a current copy of your credit report, which identifies all accounts that you know you have not opened.

For example, if a thief stole a credit card offer pre-approved with your name on your mailbox and sent it with a change of address, your credit free credit reports annual Salt Lake City report account details. Too many credit applications can actually make getting credit more difficult. On the other hand, if you have not authorized anyone to take care of your credit report and they did, free credit reports annual Salt Lake City may have violated the law. Credit fraud - unauthorized charges Viewing your credit report will help you get the recent activity free credit reports annual Salt Lake City in the accounts that you have not used recently, or still closed. The federal Fair Credit Reporting Act (FCRA) is designed to promote accuracy, fairness and confidentiality of information in the files of all credit reporting agencies (CRA). Most of these agencies are credit bureaus that gather and sell information about you - for example, if you pay your bills on time or have filed bankruptcy - to creditors, employers, landlords and other businesses. You can find the full text of the FCRA, 15 USC § § 1681-1681u, at the site of the FTC (http://www.ftc.gov). free credit repot The FCRA gives you specific rights, as described below.

You may have additional rights under the law of the state.

You can contact an agency to protect the consumer's state or local or general counsel of the State to obtain those rights.

• You must be told if information in your file has been used against anyone who uses information from a CRA to free credit reports annual Salt Lake City take action against the -.such as denying an application for credit, insurance or employment - must say, and give it the name, address and telephone number of the CRA that provided the consumer free credit reports annual Salt Lake City report. • You can find out what is on file. In its request, a CRA must give you the information in your file, and a list of all those who asked recently. There is no charge for the report, if a person has taken action against you because of information supplied by the CRA, if free credit reports annual Salt Lake City you request the report within 60 days of receipt of the action. free credit report fair credit reporting act You are also entitled to one free report every twelve months from the request if you certify that (1) are unemployed and plan buscarempleo in 60 days, (2) receives public assistance, or (3) your report is inaccurate because of fraud. • You can dispute inaccurate information with the CRA. If you tell a CRA that your file contains inaccurate information, the CRA must investigate the items (usually within 30 days) by presenting to its information source all relevant evidence you submit, unless free credit reports annual Salt Lake City your dispute is frivolous. The source must review your evidence and report its findings free credit reports annual Salt Lake City to the CRA. (The source must also inform these national organizations - that provided data -. any error) The CRA must give a written report of the investigation, and a copy of your report if the results of the investigation free credit reports annual Salt Lake City of any change . If the CRA investigation free credit reports annual Salt Lake City does not resolve the dispute, you can add a brief statement to your file. The CRA must normally include a summary of your statement in future reports. If an item is deleted or a free credit reports annual Salt Lake City dispute statement is filed, you can ask someone who has recently received your report free credit reports annual Salt Lake City be notified of the change. to check credit history

· The inaccurate information must be corrected or deleted.free credit reports annual Salt Lake City A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after your dispute. However, the CRA is not required to remove accurate data from your file free credit reports annual Salt Lake City unless it is outdated (as described below) or not be verified. If they result in a change in its report, the CRA can not reinsert into your file a disputed item unless the information source verifies its accuracy and completeness.