Credit report credit Mississippi

The notice will give you the name, address, and phone number of the consumer reporting company. You're also entitled to one free report a year if you're unemployed and plan to look for a job within 60 days; if you're on welfare; or if your report is inaccurate because of fraud, credit report credit Mississippi including identity theft.

Otherwise, a consumer reporting company may charge you up to $9.50 for another copy of your report within a 12-month period. To buy a copy of your report, contact:

Equifax: 800-685-1111; www.equifax.com Experian: 888-EXPERIAN (888-397-3742); www.experian.com Trans Union: 800-916-8800; www.transunion.com

Under state law, consumers in Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey, and Vermont already have free access to their credit reports. Should I order a report from each of the three nationwide consumer reporting companies or all of them? A: Its up to you. Because nationwide consumer reporting companies get their information from different sources, the information in your report from one company may not reflect all, or the same, information in your reports from the other two companies. That's not to say that the information in any of your reports is necessarily inaccurate; it just may be different. free credit report 3

You may order one, two, or all three reports at the same time, or you may stagger your requests. Some financial advisors say staggering your requests during a 12-month credit report credit Mississippi period may be a good way to keep an eye on the accuracy and completeness of the information in your reports. What if I find errors - either inaccuracies or incomplete information - in my credit report?credit report credit Mississippi A: Under the FCRA, both the consumer reporting company and the information provider (that is, the person, company, or organization that provides information about you to a consumer reporting company) are responsible for correcting inaccurate or incomplete information in your report. To take full advantage of your rights under this law, contact the consumer reporting company and the information provider. order a free credit report Tell the consumer reporting company, in writing, what information you credit report credit Mississippi think is inaccurate. Consumer reporting companies must investigate the items in question - usually within 30 days - unless they consider your dispute frivolous. They also must forward all the credit report credit Mississippi relevant data you provide about the credit report credit Mississippi inaccuracy to the organization that provided the information. After the information provider receives notice of a dispute from the consumer reporting company, it must investigate, review the relevant information, and report the results back to the consumer reporting company.

If the information provider finds the disputed information is inaccurate, it must notify all three nationwide consumer reporting companies so they can correct the information in your file.

When the investigation is complete, the consumer reporting company must give you the written results and a free copy of credit report credit Mississippi your report if the dispute results in a change. (This free report does credit report credit Mississippi not count as your annual free report under the FACT Act.) If an item is changed or deleted, the consumer reporting company cannot put the credit report credit Mississippi disputed information back in your file credit report credit Mississippi unless the information provider verifies that it is accurate and complete. creditscore The consumer reporting company also must send you written notice that includes the name, address, and phone number of the information provider. Tell the creditor credit report credit Mississippi or other information provider in writing that you dispute an item. Many providers specify an address for disputes. If the provider reports the item to a consumer reporting company, it must include a notice of your dispute. And if you are correct - that is, if the information is found to be inaccurate - the credit report credit Mississippi information provider may not report it again.