Are You Managing Credit And Debt Or Is It Managing You?
Credit is an established part of American life. It can be a valuable tool permitting you to purchase a home or a car, finance an education, or take advantage of special sales and offers. Unwise use of credit, however, will lead to financial problems. Knowing your legal rights and remedies is a first step to resolving those problems.
Your credit report
Your credit report is an essential element for a sound fiscal future. Employers, insurance agencies, and future creditors use the report to obtain information about you. Your credit report is such an important document that the law gives you certain protections against the reporting of incorrect information.
How to obtain a copy of your credit report:
If you were denied credit, you should obtain a copy of your report to verify that the information is correct. You have the right to know which credit reporting agency prepared the report that was used to deny you credit. Under state law, you have the right to a free copy of your credit report within sixty days of being denied credit. Laws change and there are different laws in different...
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