Unsolicited “prescreened” offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are based on. You may opt-out with the nationwide credit…
Posts Tagged With: Horizon Properties
California Debt Blog: You must give your consent for credit reports to be provided to employers
A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer.
California Debt Blog: Access to your credit report file is limited
A consumer reporting agency may provide information about you only to people with a valid need – usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for…
California Debt Blog: You may seek damages from companies and individuals that violate your rights with your credit report
If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
California Debt Blog: Consumer reporting agencies may not report outdated negative information on your credit report
In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.
California Debt Blog: Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information
Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, the consumer reporting agency is not required to remove accurate derogatory information from your file unless it is outdated or cannot be verified. A consumer…
California Debt Blog: You have the right to dispute incomplete or inaccurate information on your credit report
If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.ftc.gov/creditforan explanation of dispute procedures.
California Debt Blog: You have the right to ask for your credit score
Credit scores are numerical summaries of your credit-worthiness based on information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have…
California Debt Blog: You have the right to know what is in your credit report and credit file
You may request and obtain all the information about you in the files of a consumer reporting agency. You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be…
California Debt Blog: You must be told if information in your credit file file has been used against you
Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment – or to take another adverse action against you – must tell you, and must give you the name,…