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It also may show whether you've been sued or arrested or have filed for bankruptcy. Companies called consumer reporting agencies (CRAs) or credit bureaus compile and sell your credit report to businesses.
Because businesses use this information to evaluate your applications for credit, insurance, employment, and other purposes allowed by the Fair Credit Reporting Act (FCRA), it's important that the information in your report is free credit card report Memphis complete and accurate. 3 free credit reports Some financial advisers suggest that you periodically review your credit report for inaccuracies free credit card report Memphis or omissions.
This could be especially important if you're considering making a major purchase, such as buying a home. Checking in advance on the free credit card report Memphis accuracy of information in your credit file could speed the credit-granting process. Getting Your Credit Report If you've been denied credit, insurance, or employment because of information supplied by a CRA, the FCRA says the company you applied to must give you the CRA's name, address, and telephone number. If you contact the agency for a copy of your report within 60 days of receiving free credit card report Memphis a denial notice, the report is free. free credit report card
In addition, you're entitled to one free copy of your report a year if you certify in writing that (1) you're unemployed and plan to look for a free credit card report Memphis job within 60 days, (2) you're on welfare, or (3) your report is inaccurate because of fraud. Otherwise, a CRA may charge you up to $9.00 for a copy of your report.
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