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Consumer Credit Report

A consumer credit report gives you, the consumer, the information you need to know about your consumer credit history. The consumer credit report is a detailed account of what you owe, who you owe, and what you have paid off. Lenders and mortgage providers use information on your consumer credit report to make financial decisions about you.

As a consumer and as part of the Fair Credit Reporting Act, you have the right to know what information is listed under your consumer credit report. A credit reporting agency must give you the complete credit history in your consumer credit report, including medical information, and in most cases, the sources of the information. The credit reporting agency also must give you a list of everyone who has requested your consumer credit report within the past year - two years for employment related requests. There's no charge for your consumer credit report if a company takes adverse action against you, such as denying your application for credit, insurance or employment, and you request your report within 60 days of receiving the notice of the action. The notice will give you the name, address, and phone number of the credit reporting agency. In addition, you're entitled to one free consumer credit report a year if (1) you're unemployed and plan to look for a job within 60 days, (2) you're on welfare, or (3) your report is inaccurate because of fraud. Otherwise, a credit reporting agency may charge you up to $9 for a copy of your consumer credit report. You can also get a free copy of your consumer credit report by visiting our home page. We direct you to the right place for you to get a consumer credit report.

Under the new law, both the reporting agency and the information provider have responsibilities for correcting inaccurate or incomplete information in your consumer credit report. To protect all your rights under this law, contact both the credit reporting agencies and the information provider. We encourage you to check your consumer credit report so that you know exactly what is on your credit report.

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