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| To enter our free financial information center |
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| Your Legal Rights |
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Federal law protects your rights as a credit consumer. The information in this section
contains a brief description of your general legal rights. For additional information on your legal rights,
visit the United States Federal Trade Commission (FTC) web site at www.ftc.gov.
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Fair Credit Reporting Act
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Under the Fair Credit Reporting Act, you have the right to the following:
- Know all the information that's in your credit report. In most cases, you have the right to know
the source of that information
- Obtain a free copy of your report within 60 days of a credit denial. Otherwise, the credit bureau may
charge you a nominal fee for this service.
- Know who has requested your report in the last year.
- Confidentiality of personal medical information. Such information can only be released with your permission.
- Approve access to your credit record by prospective employers.
- Have the credit bureau investigate an error in your report. You must notify the bureau of your dispute in writing.
The credit bureau must notify you within five days of a completed investigation and fix mistakes in your record within
30 days. Then it must send a corrected report to anyone who asked for a copy in the past six months.
At your request, the bureau must also send a revised report to potential employers who have requested
it within the past two years. If you disagree with the credit bureau's conclusion, you have a right to include
a brief explanation in your credit report.
- Request credit bureaus stop selling your name to companies that make pre-approved credit offers.
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