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Under the Fair Credit Reporting Act (FCRA), both the company that reported your credit information and the three National Consumer Reporting Agencies (Equifax, TransUnion and Experian) must correct errors or any missing information in your credit report. The Consumer Reporting Agencies must investigate any disputes and provide feedback within 30 days.
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In 2003, Congress passed the Fair and Accurate Credit Transactions act (FACT), which made it possible for consumers to obtain a copy of their credit report for free. In fact, the legislation makes it possible for consumers to obtain one free report from each of the three main credit bureaus - Experian, Trans Union, and Equifax,
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Latest History Of Credit Scores News:
- Have a bad credit history? Here's a loan just for YOU!
Just because you have some blemishes on your credit score card or an uneven income stream shouldn't disqualify you from getting a personal loan.
Thu, 02 Feb 2012 02:47:09 -0800 - Garth Crooks's team of the week
Do you agree with our football expert's side this week?
Sun, 05 Feb 2012 15:02:25 -0800 - Programmers Size Up Bank Borrowers With Algorithms Rather Than FICO Scores
For more than 40 years, banks have counted on FICO scores to determine the credit worthiness of American consumers. Now a handful of entrepreneurs in California say it’s time for a smarter way to size up borrowers.
Sun, 22 Jan 2012 21:25:10 -0800
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