Free company report Austin

A credit report is a consumer report that contains information about where you work and live and how you pay your bills. It also may show whether you have been sued or arrested or have filed for bankruptcy. Companies called consumer reporting agencies (credit bureaus) compile and sell your credit report to businesses. Because free company report Austin businesses use this information to free company report Austin evaluate your applications for credit, insurance, employment, and other purposes, it is important that the information in your credit report is complete and accurate. Credit Cards How to Establish Credit Some financial advisors suggest that you periodically review your credit report for inaccuracies or omissions. This free company report Austin could be especially important if you are considering making a major purchase, such as buying a home. Checking in advance on the accuracy of information in your credit report could speed the credit-granting process. Because more than one consumer reporting agency (credit bureau) may have a credit report on you, some with different information, you free company report Austin may want to review a free company report Austin comprehensive credit report including information from all three major national credit bureaus. free credit report fair credit reporting act If you prefer, you may contact each credit bureau directly to obtain or purchase your credit report. Their websites are listed at the bottom of this page. You may also call the credit bureaus free company report Austin listed in the Yellow Pages under credit or credit rating and reporting.

You may also free company report Austin consider using a credit report monitoring service. These services monitor your credit reports at the free company report Austin major credit bureaus and inform you when there are any significant changes.

You should learn immediately free company report Austin if any problems arise, and many services even inform you every time inquiries are made free company report Austin into your credit report.

Important: If you have been denied credit, insurance, or employment because of information supplied by a credit bureau, the law says that the company you applied to must give you the credit bureau's name, address, free company report Austin and telephone number. 3 credit reports free If you contact the credit bureau for a copy of your credit report within 60 days of receiving a denial notice, the credit free company report Austin report is free. In addition, you are entitled to one free copy of your credit report a year if you can prove that (1) you're unemployed and plan to look for a job within 60 days, (2) you're free company report Austin on welfare, or (3) your credit report is inaccurate because of fraud. If you live in Colorado, Georgia, Maryland, Massachusetts, New Jersey or Vermont, State free company report Austin law requires credit bureaus to provide you a free copy (two in Georgia) of your credit report each year upon request.

Otherwise, a credit bureau may free company report Austin charge you up to $8 for a copy of your free company report Austin credit report. The three major consumer reporting agencies (credit bureaus) are: Experian (formerly TRW) P.O. Box 949 Allen, TX 75013 (800) 682-7654 Trans Union free company report Austin 760 West Sproul Road P.O. Box 390 Springfield, PA 19064-0390 (800) 916-8800 Equifax P.O. 3 free credit reports and scores Box 740241 Atlanta, GA 30374-0241 (800) 685-1111 Loan Consultant Loan Consultant & Financial Articles Today, crimes such as fraud free company report Austin and identity theft have become common.