![]() ![]() What if the credit-reporting agency verifies the information, but I still disagree? For example, if the creditor reported your account as delinquent, but had agreed with you to accept late payments for a period of time, you could contact the creditor to fix the reporting error. The creditor must correct any wrong information that it has sent to a credit-reporting agency. You can also contact the creditor who has reported the incorrect information. The credit-reporting agency must investigate the information and correct it if it is wrong. In your letter you should state what information is incorrect. You should send a written letter to each credit agency that has reported incorrect information. What do I do if there is incorrect information in my credit file? It is common to find that there is incorrect information in your credit file. Once you get your report, look at it very carefully. However, you can also obtain a free report in a twelve month period if:ġ) You are unemployed and will be seeking employment in the next sixty days Ģ) You are on public welfare assistance orģ) You suspect your report has inaccurate information due to fraud.Įven if none of these situations apply, the credit-reporting agency cannot charge you more than $8 for your report. If you have not try to get credit in the last sixty days, these agencies may charge you a small fee for your credit report. To request copies of your credit report from each agency call: You should request a report from each of the main reporting agencies. ![]() Your credit report will show what accounts have been opened with your name and social security number. You are entitled to a free credit report from that agency within 60 days of being turned down.Ĭontacting Credit Reporting Agencies DirectlyĪlthough it is no longer necessary, New Jersey residents may wish to contact each of theĬredit reporting agencies directly.How do I find out what is in my credit report?Īs a rule, it is a good idea to get a copy of your credit report at least once a year to make sure that it is correct. If a company denies you credit, insurance or a job because of something in your credit report, that company has to tell you which credit agency provided the information. The new ruling doesn't replace the other ways to receive a free credit report. You should review your credit report from each credit reporting agency ![]() You'll be able to order all three credit reports at one time, or you may consider staggering the reports at different times throughout the year. Go to (the only authorized source for consumers to access their annual credit report online for free).Ĭomplete the form, available from the Federal Trade Commission (FTC), and mail it to: Annual Credit Report Request Service, PO Box 105281, Atlanta, GA 30348-5281. This central site allows you to request free reports once every 12 months.Ĭonsumers should request their free reports in one of these three ways: is the official site to help consumers to obtain their free credit report from the nationwide agencies. Under the 2003 Fair and Accurate Credit Transactions Act, every American has the right to a free copy of their credit report from each of the nationwide agencies. Home > Consumer Information > Personal Finance > Credit Awareness/ID Theft > Get Your Free Credit ReportĪs a New Jersey resident, you are entitled to one free copy of your credit report from each of the three nationwide credit reportingĪgencies ( Equifax, Experian and TransUnion) once a year.
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