What happens if a company takes a negative action against me Because of Something in my Credit Report?, What if I see a mistake on my credit Report?

 

• What happens if a company takes a negative action against me because of something in my Credit Report?    When a company takes "adverse action" against you, you're entitled to another free credit report if you ask it within 60 days of getting notified about the action. The company has to send you a notice that includes the name, address, and phone number of the credit bureau that provided your report.You're also entitled to another free report each year if: 
• Your're unemployed and plan to look for a job within 60 days
• You're on welfare
• your report is inaccurate because of fraud, including identity theft

If you think someone might be using your personal information to open accounts, file taxes, or make purchases, go to identitytheft.gov to report it and get a personalized recovery plan.

What if I see a mistake on my credit report?

You can dispute mistakes or outdated items on your credit report fro free. Both the credit bureau and the business that provided the information about you to a credit bureau are responsible for correcting inaccurate or incomplete information in your report.

Make sure the information in your report is accurate, complete, and up to date before you apply for a loan for a major purchase like a house or car, buy insurance, or apply for a job.