To obtain a copy of your credit report, you must provide the following in writing:
1) Full name, including any previous names
2) Current address
3) Previous address (if needed for five-year credit history)
4) Social Security number
5) Date of birth
6) Signature
If you have been denied credit because of negative information in your credit report, you may ask which agency provided your credit history and then obtain a copy of your report from that agency within 60 days at no charge.
In addition, you are entitled to one free report if:
1. You are unemployed and plan to seek employment within 60 days.
2. You are on welfare.
3. Your report is inaccurate due to fraud
If you find negative information in your credit report that is correct:
1. Pay any balances so that creditors can update your file.
2. Wait seven years for negative information to be taken off.
3. Write a brief statement of explanation to be included in future reports.
If you find there is incorrect information in your credit report, you can:
1. Request, in writing, an investigation that will be made within 30 days.
2. Contact the creditor, in writing.
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