Credit report information Lubbock

Reviewing your credit report on a regular basis can credit report information Lubbock also help protect you from identity theft.  Credit reports with accounts that do not belong to you may be a red flag that you may be a victim of identity theft.  Incorrect information on your credit report because credit report information Lubbock of identity theft can negatively affect your ability to get employment, credit or insurance.

Burke, Harvey & Frankowski, LLC represents consumers in individual lawsuits and class action lawsuits against credit reporting agencies and companies who furnish information to the credit bureaus. The Fair Credit Reporting Act (FCRA) promotes the accuracy and privacy of information in the credit reporting agencies files. which credit report  Under the FCRA, consumers have a right credit report information Lubbock to a free annual file disclosure (free credit report) once in a 12 month time period.  This right, to a free annual credit report, is in addition to your right to your credit file under many different circumstances.  For example, you are also entitled to a free credit report if a company takes an adverse action against you, such as denying you credit, employment or insurance because of information credit report information Lubbock in your report. u free credit report You are also entitled to a free credit report information Lubbock credit report if you are unemployed and plan to look for a job in the next 60 credit report information Lubbock days.  This is an important federal right.  If you are unemployed and looking for a job it is a good idea to review your credit report before your future employer does.  This will give you an opportunity to correct any errors before your future employers see your credit reports. Some states, such as Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey and Vermont have state laws which provide consumers credit report information Lubbock with an additional right to a free credit report.

Once you have received your credit reports, you credit report information Lubbock should check each report for errors.  Under the FCRA, Equifax, Experian and Trans Union are responsible credit report information Lubbock for correcting inaccurate or fraudulent information on your credit report after you dispute the credit report error. free annual credit report federal