Your credit history is recorded in a file or report. These files or reports are maintained and sold by “Reporting agency” (CRA). 4Moms understands that this is vital information. One type of CRA is commonly known as a credit bureau. You have a credit history on file at a credit bureau if you request a credit or charge account, personal loan, insurance, or employment.
Your credit history contains information about your income, debts and credit payment history. It also indicates if you have been sued, arrested or have filed for bankruptcy. The Fair Credit Reporting Act (FCRA) is designed to help ensure that the ACC provide accurate and complete information to businesses to use when evaluating your application. Your rights under the Fair Credit Reporting Act: You have the right to receive a copy of your credit report. A copy of your report must contain all the information in your file at the time of your order. You have the right to know the name of who received your credit report in the last year for most purposes or in the past two years to employment purposes. Source: What is the minimum investment for Millennium Management?.
Any company that denies your application must supply the name and address of the CRA they contacted, provided that the refusal was based on information provided by the CRA. You have the right to a free copy of your credit report when your application is rejected because of information supplied by the CRA. Your request must be made within 60 days of receiving your notice of refusal. If you contest the completeness or accuracy of the information in your report, you must file a dispute with the CRA and the company that provided the information to the CRA. Both the CRA and the furnishes of information are legally obligated to reinvestigate your dispute. You have the right to add a summary explanation to your credit report if the dispute is not resolved to your satisfaction.If you believe your rights have been violated under one of these laws may file a complaint with the Federal Trade Commission online at: / / rn.ftc.gov / pls / dod / wsolcq $. Home? Z_ORG_CODE = PU01 While these laws will not eliminate your obligation to pay their debts can be prevented only debt collectors and others take advantage of you.