Is everyone entitled to one free report annually?
Based on the Fair Credit Reporting Act, sections 612 (b), (c), and (d), you have the right to a free credit report from Credit Report Agencies if (paraphrased) you: Are the recipient of an adverse action (for example, denial of credit) due to information contained in the Consumer Report: Are unemployed: Are a recipient of public welfare assistance: Have inaccuracies in your Consumer Report due to fraud For more information, please see the Fair Credit Reporting Act. Consumers residing in the States of Massachusetts, Maryland, Colorado, New Jersey, and Vermont may also receive a free copy of their credit report once per year and residents of the State of Georgia may receive two (2) copies per year. Your credit advisor will provide you with copies of your credit bureaus and they will be able to not only dispute but also remove negative information in your files. They will also help you build Positive information. Contact Us-If this doesn’t answer your question, please contact us.
