Caring for Your Credit: Getting Your Credit Report
Credit issues happen. Honestly, it's part of life. Things happen that we sometimes don't and can't
The first step is to Get A FREE Copy of Your Credit Report! So, BY FEDERAL LAW, you are entitled to pull your credit for free under various circumstances. Here are the three ways that you can pull your credit report 100% FREE.
- Each of the nationwide credit reporting companies — Equifax, Experian, and TransUnion — is required to provide you with a free copy of your credit report once every 12 months, if you ask for it. To order, visit annualcreditreport.com, or call 1-877-322-8228. You may order reports from each of the three credit reporting companies at the same time, or you can stagger your requests throughout the year.
- You’re entitled to a free credit report if a company takes “adverse action” against you, like denying your application for credit, insurance, or employment. You have to ask for your report within 60 days of receiving notice of the action. The notice includes 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, including identity theft.
- It doesn’t cost anything to dispute mistakes or outdated items on your credit report. Both the credit reporting company and the information provider (the person, company, or organization that provides information about you to a credit reporting company) are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights, contact both the credit reporting company and the information provider.
This article on the Federal Trade Commission website explains everything in depth: https://www.consumer.
No one can legally remove accurate and timely negative information from a credit report. You can ask for an investigation —at no charge to you — of information in your file that you dispute as inaccurate or incomplete. Some people hire a company to investigate for them, but anything a credit repair company can do legally, you can do for yourself at little or no cost.
*As always, we are not a licensed credit repair company. The information included in this email is meant to be educational in nature. Most information was acquired from https://www.
best realtor in Bondurant
Bondurant’s leading real estate agent
Top Bondurant realtor
The best agent in Bondurant
home for sale in bondurant iowa
homes for sale in bondurant iowa
house for sale in bondurant iowa
condos for sale in bondurant iowa
condominiums for sale in bondurant iowa
Buy real estate in bondurant iowa
Sell real estate in bondurant iowa
buy a home in bondurant iowa
buy a house in bondurant iowa
buy a condo
buy a condominium
sell my bondurant condo
sell my condominium
buy a lot
sell a lot
buy land in bondurant iowa
list my home in bondurant iowa
list my bondurant house
list my bondurant condominium
list my condo
bondurant home prices
local realtor in bondurant iowa
realtor near me
hire a realtor
real estate broker
real estate agency in bondurant iowa
real estate agent in bondurant iowa
Favorite bondurant realtor