Contacting The Credit Bureaus

admin — Tue, 20 May 2008 10:00:24 +0000

The law states that you have a right to see your credit file at times other than the once a year free credit report that you can request from the three major credit bureaus. If any of the following circumstances apply to you, you can contact TransUnion, Experian, or Equifax at any time.

Did you apply for credit, but you were denied because of something that is in your credit file? This happens more than you think, but if you are sure that there should be nothing in your credit file that would keep a company from granting you credit, contact the credit bureau listed at the bottom of the letter you will receive.

Did you fill out a job application, go to an interview, and leave with a good feeling, sure that you were going to get the job? Then you wait anxiously for the phone call, telling you when to report for your first day. Instead, you get a letter from the company you applied to, telling you that you were not suitable for the job. At the bottom of the letter is some information which you follow up on, only to find out you were denied the job because of your credit report! Get in touch with the credit bureaus and see what the problem is!

Were you denied home, auto, or renter’s insurance because of something that appears in your credit file? You will more than likely get a letter informing you of this, and at the bottom there will be a paragraph that will tell you which credit bureau was contacted. Be sure to follow up with the credit bureau and do what you need to do in order to correct this information so that you can get your insurance!

Are you out of work? Will you be searching for a job anytime within the next 60 days? If so, you can request a copy of your credit report so that you can see what is listed there. This will prepare you for your job search. If your credit is lackluster, you may want to limit your search to those employers who do not check the credit records of potential employees.

Are you on welfare? Or, were you denied the opportunity to rent a home or apartment because of something listed on your credit report? Check with the credit bureau to see what is going on with your credit report.

Are there any errors in your credit file that you already know are there because of fraud or identity theft? If so, you have a right to request a copy of your credit report whenever you need to check and see if any of the erroneous information has been removed from your account.

Checking your credit report for any of these reasons is free. Do it today!

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Contacting The Credit Bureaus