Volume 2: Your Credit Report and Your Rights
Understanding your report—and what rights you have concerning the information—is
key to establishing and maintaining good credit. This issue of Your Money gives
you the information and tools you need to:
- Obtain your credit reports from the three leading bureaus
- Spot and correct common errors in your reports, including signs of identity theft
- Understand the rights you have under federal law concerning your credit
Your credit report: What you need to know
Understanding your credit report and its importance is vital to your personal finances.
This article will explain the elements of your report and how you can impact your
credit score.
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Spotting Errors on your credit report
It’s not difficult to identify errors on your credit report if you know what to
look for. These guidelines will help you find harmful mistakes and teach you how
to correct them.
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Your credit watchdogs: FCRA and FACTA
There are two laws that protect your rights as consumer, Fair and Accurate Credit
Transactions Act (FACTA), amending the Fair Credit Reporting Act (FCRA). Find out
what they say and how they help you.
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The fair debt collection practices act
Thanks to this law, collection agencies are not allowed to call you at your work
if your employer objects. There are many other stipulations that can help you! Understand
your rights by reading this article.
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