You know that absolutely free credit reports are good to get. But if you find an error
in your report, is that good or bad? Of course it's not good to have any errors in your credit
report, but it's good you're able to correct your report now so it won't cause problems in the
future. And with credit affecting so many areas of your life, getting absolutely free credit
reports can ease your concerns about inaccurate information.
Whether you get absolutely free credit reports or pay for them, the Fair Credit Reporting Act
(FCRA) helps make sure your credit report information is maintained and recorded accurately.
The FCRA establishes that both the credit bureau that keeps your credit file and the people
who provide the information that goes into the file are responsible for its accuracy.
If you find an error or omission in any absolutely free credit reports, you should
write the credit bureau who supplied the report. State which items in your report you think are
in error and include copies of any documents which support your claim. Explain why the items
are wrong and whether you want them corrected or deleted. It's best to send the letter
by certified mail, return receipt requested, so you can know when the credit bureau received
it. Keep copies of anything you send.
After the credit bureau completes its investigation it must send you the results. If there's
a change to your report they must send you a free copy. At your request, the bureau must
notify anyone of the change who got a copy of your credit report within the last six months,
or two years if an employer. And If you remain dissatisfied with the information in your report,
you have the right to express your position in a 100-word statement. This statement will be
included in future copies of absolutely free credit reports.
To get absolutely free credit reports and free 30 days of credit monitoring, please go to
free instant credit reports.
