credit report - When You Are Eligible For A Free Credit Report

By Federal law, you are entitled to one free credit report per year directly from a credit-reporting agency only if you certify that: 1. You are unemployed and seeking employment in the next 60 days. 2. You are receiving public assistance. 3. You believe there are inaccuracies in your credit report due to fraud 4. Also if you have been denied credit on the basis of information in a credit report, you are entitled to a free copy of your credit report from the credit bureau that supplied the credit report. 5. Residents of Colorado, Maryland, Massachusetts, New Jersey, and Vermont are entitled by state law to one free credit report from a credit-reporting agency per year. Residents of Georgia are entitled to two free credit reports. To obtain the excellent credit report service, get FREE online Credit Report, make your Credit Score higher, avoid becoming a Victim of Identity Theft, or correct your credit visit Legalhelper.ws. Your credit score is important for obtaining credit. Your credit score is important to know, whether you need a new credit card, an auto loan, or a mortgage. Lenders use your credit scores to decide whether you are a good credit risk. If you have a high credit score, you are more likely to obtain the best rates. Bad credit costs thousands of dollars! About The Author Virginia Broobin is a financial security specialist that helps people to solve their financial issues and be happy and successful within their life. Website: www.legalhelper.ws, vbroobin@legalhelper.ws Article Source:http://EzineArticles.com/?expert=Virginia_Broobin credit report - How to Get Your Credit Report Corrected Are you troubled by a poor credit rating? You clearly know how important a good credit standing can be. If you have a bad credit score, you might not be able to qualify for loans, and that may prevent you from buying a house or a car, or getting an insurance policy or a credit card. And a bad credit report may not even be your fault, if there are inaccuracies in your report, or if your credit score was affected due to identity theft and fraud. Whatever the reason may be for your bad credit report, you cannot just let it be. For the sake of your future, you have to try to repair your credit. The road to credit repair begins with obtaining a copy of your credit report. With it, you can determine if there are any discrepancies in your report that you can dispute. You can obtain of a free copy of your credit report in some circumstances. For example, if you have applied for credit, insurance, or employment and have been turned down, the company is bound to provide you with your report if you ask for a copy within 60 of receiving notifice of the denial. There are a number of other cases in which you are eligible to get a free annual credit report, such as being unemployed, being on welfare, or being the victim of credit fraud. You are also entitled to a free credit report once a year from each of the three major consumer reporting agencies: TransUnion, Equifax, and Experian. If you have to, you can also obtain your credit report for a fee from a consumer reporting company or an online credit report provider. Once you have received a copy of your credit report, examine it closely to spot if there are any discrepancies. Be sure that you have documentation that can support your claims. Mail a dispute letter to the consumer reporting agency that authored the report, and include copies--not originals--of the documents that will help your case. Know that the law places on credit reporting agencies and credit information providers the responsibility of guaranteeing the accuracy of your credit report; thus they are required to correct your report if it should contain any inaccuracies. So they must investigate your dispute, and that will save you the expense and trouble of dealing with every one of your creditors by yourself. And you should not be charged for the investigation; the law says that you cannot be charged a fee for filing a dispute claim over your credit report with the consumer reporting agency. So go ahead and file it and expect an investigation to be made.