Who can access my credit report?
A consumer reporting agency may furnish a consumer report
only under the following circumstances:
- a court order
is issued for the release of the report
- the consumer
requests the release of the report,
- the user has reason
to believe that he or she will use the information in relation
to a credit transaction involving the consumer, for employment
purposes, for underwriting insurance, for a determination
of license eligibility, or for an otherwise legitimate business
purpose.
What should I do if I am denied credit, employment, insurance,
a license or other business transactions because of a credit
report?
The company that issues the denial must provide you with
the name and address of any credit reporting agency whose
report was used in the determination
What if the information in my credit report is inaccurate?
You should first give notice in writing to the credit reporting
agency detailing why the report is inaccurate. The agency
must provide you with the forms for such notice and provide
you with assistance in filling out the form if you require
it. The agency must admit or deny the inaccuracy within thirty
days after notice of an inaccuracy. If an inaccuracy is admitted,
the agency must immediately correct the problem and inform
anyone who received an incorrect report within the last six
months of the inaccuracy.
Do I have any recourse if the Credit Reporting Agency will
not correct my credit report?
A credit reporting agency can
be liable for damages incurred by a consumer that result
from reporting of inaccurate information which a consumer
reporting agency refuses to correct pursuant to A.R.S. § 44-1694. Any consumer reporting agency, user of information or sources
of information which is grossly negligent in the use or preparation
of a consumer report or who acts willfully and maliciously
with intent to harm a consumer, shall be liable to the consumer
for actual damages, punitive damages, and attorney fees.
How do I get a copy of my credit report?
Credit reporting agencies generally sell copies of their
reports. A copy of your credit report will cost approximately
$8.00 to $11.00. You can get a free copy of your report if
you have been the subject of an adverse action based wholly
or in part on your report within the last 60 days. Instructions
on reading the report and correcting any errors should come
with the report. The three major credit reporting agencies
are Equifax, Experian, and Trans Union.
They can be contacted
as follows:
Equifax Credit Information Services, Inc.
P.O. Box 740241
Atlanta GA 30374-0241
1-800-685-1111
For more specific information about requesting a report from Equifax, go to http://www.equifax.com/; you can also order
a report online through this site.
Experian National Consumer Assistance Center
PO Box 2002
Allen TX 75013
1-866-200-6020
To order an online report, request an investigation, or for more information,
go to www.experian.com/consumer/index.html.
TransUnion LLC
Consumer Disclosure Center
PO Box 1000
Chester PA 19022
1-800-888-4213
For more specific information about requesting a report from Trans Union, go
to
www.transunion.com you can also order a credit report online through this site.
Questions?
LendFast.com - What is the Fair Credit Reporting Act/ FCRA?
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