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The Fair Credit Reporting Act ("FCRA") is designed to help
ensure that credit reporting agencies furnish correct and
complete information to businesses to use when evaluating your
application.
Your rights under the Fair Credit Reporting Act include the
right to:
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Receive a copy
of your credit report. The copy of your report must contain
all of the information in your file at the time of your
request.
-
Know the name of
anyone who received your credit report in the last year for
most purposes or in the last two years for employment
purposes.
-
Have the name
and address of any credit reporting agency which was contact
by any company that denies your application, provided the
denial was based on information given by the credit
reporting agency.
-
A free copy of
your credit report when your application is denied because
of information supplied by a credit reporting agency. Your
request must be made within 60 days of receiving your denial
notice.
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Add a summary
explanation to your credit report if your dispute is not
resolved to your satisfaction
If you contest the completeness or accuracy of information
in your credit report, you should file a dispute with the
credit reporting agency and with the company that furnished
the information to the credit reporting agency.
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