What Should I Know About "Investigative Consumer Reports"?

Other Fair Credit Reporting Act FAQs

• Q: What Effect Will A Judgment Or Debt Have On My Credit?
  A: An unpaid judgment will have a significant effect on your credit.  In addition, other debts that are not judgments can still be reported on your credit report.
• Q: How Do I Find The Cra (Consumer Reporting Agency) That Has My Report?
  A: The three major national credit bureaus are: Equifax P.O. Box 740241 Atlanta, GA 30374-0241 (800) 685-1111. Experian P.O. Box 2104 Allen, TX 75013 (888) EXPERIAN … More
• Q: Do I Have A Right To Know What's In My Report?
  A: Yes, if you ask for it. The CRA must tell you everything in your report, including medical information, and in most cases, the sources of the information. The CRA also … More
• Q: Is There A Charge For My Report?
  A: Sometimes. There's no charge if a company takes adverse action against you, such as denying your application for credit, insurance or employment, and you request your … More
• Q: What Can I Do About Inaccurate Or Incomplete Information?
  A: Under the new law, both the CRA and the information provider have responsibilities for correcting inaccurate or incomplete information in your report. To protect all … More
• Q: What Can I Do If The Cra Or Information Provider Won't Correct The Information I Dispute?
  A: A reinvestigation may not resolve your dispute with the CRA. If that's the case, ask the CRA to include your statement of the dispute in your file and in future … More
• Q: Can My Employer Get My Report?
  A: Only if you say it's okay. A CRA may not supply information about you to your employer, or to a prospective employer, without your consent.
• Q: Can Creditors, Employers, Or Insurers Get A Report That Contains Medical Information About Me?
  A: Not without your approval.
• Q: How Long Can A Cra Report Negative Information?
  A: Seven years. There are certain exceptions: Information about criminal convictions may be reported without any time limitation. Bankruptcy information may be reported … More
• Q: Can Anyone Get A Copy Of My Report?
  A: No. Only people with a legitimate business need, as recognized by the FCRA. For example, a company is allowed to get your report if you apply for credit, insurance, … More