Identity Theft Programs
You have the right to receive a copy of your credit report. Each of the nationwide consumer reporting companies â€“ Equifax, Experian, and TransUnion â€“ is required to provide you with a free copy of your credit report, at your request, once every 12 months.
If a company denies your application, you have the right to the name and address of that credit bureau.
If you question the accuracy or completeness of information in your report, you have the right to file a dispute with the consumer reporting company and the information provider.
You have a right to add a summary explanation to your credit report if your dispute is not resolved to your satisfaction.
The Fair Credit Reporting Act
This is the Fair Credit Reporting Act (FRCA) as prepared by the Federal Trade Commission (FTC). It is intended only as a convenience for the public and not a substitute for the text in the U.S. Code. Learn More
A number of government and private organizations have information about various aspects of identity theft and fraud: how it can occur, what you can do about it, and how to guard your privacy. Agencies like the Federal Bureau of Investigation, Federal Trade Commission, United States Postal Inspection Service, United States Secret Service, the Better Business Bureau, and more.
There are five factors in determining your credit score:
Why Credit Matters
Credit can affect everything from home loans, auto loans, rental agreements, insurance, social status, and even employment. Bad credit means higher rates on just about everything related to borrowing money. Making a plan to try to improve you credit will help save you money.
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