Obtaining your Credit Report      How does one go ahead with obtaining their credit report? The process is quit simple albeit, there will be a slight charge obtaining it. There are 3 credit bureaus. You can purchase a copy of your credit report from each three, they usually charge between $8 and $12 each, but finding out what is on it can well be worth the cost. However, you have rights as a consumer including: You can receive a FREE COPY of your credit report if you have been denied credit, insurance or employment as a result of what is on your credit score in the last 60 days. You can then demand that the company denying you must provide you with the credit bureaus name and contact information.      Other rights you have are the right to dispute any information you find on the credit report that you think is in error. This then causes the credit bureau to examine and validate the information. This is usually done in a 30 day period. You have the right to have negative reports such as any judgements, late payments or other things taken off after a period of 7 years. Bankruptcies may take up to 10 years to come off. You can also get the credit bureau to inform any parties you name that had received any incorrect information as a result of a faulty credit report and provide them with the correct information. You can request that no one see your credit report that has no business doing so, as well as you can sue the credit bureau if they violate the law with regards to your file. The following is a list of the 3 credit bureaus contact information. Trans Union PO Box 1000 Chester, PA 19022 1-800-916-8800 www.transunion.com Experian PO Box 2002 Allen, TX 75013 1-888-EXPERIAN (1-888-397-3742) www.experian.com Equifax PO Box 740241 Atlanta, GA 90974 1-800-685-1111 www.equifax.com

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Disclaimer: This site provides general guidance and information. It is not intended as, nor should it be taken  to be, legal, financial or other professional advice for your situation. Please consult with your attorney or financial advisor to discuss any legal or financial issues involved with credit decisions.

Over the next several weeks, I will be adding more information to do with  ones credit report.

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