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You can contact an agency to protect the consumer's state or local or general counsel of the State to obtain those rights.

• You must be told if information in your file has been used against anyone who uses information from a CRA to take action against the -.such as denying an application for credit, insurance or employment - must say, and give it the name, address and telephone number of the CRA that provided the consumer report. • You can find out what is on file. In its request, a CRA must give you the information in your file, and a list of all those who asked recently. to check credit history

There is no charge for the report, if a person has taken action against you because of information supplied by the CRA, if you request the report within 60 days of receipt of the action.

You are also entitled to one free report every twelve credit scores credit reports Philadelphia months from the request if you certify that (1) are unemployed and plan buscarempleo in 60 days, (2) receives public assistance, or (3) your report is inaccurate because of credit scores credit reports Philadelphia fraud. free credit reports.com • You can dispute inaccurate information with the CRA. If you tell a CRA that credit scores credit reports Philadelphia your file contains inaccurate information, the CRA must investigate the items (usually within 30 days) by presenting to its information source all relevant evidence you submit, unless your dispute is frivolous. The source must review your evidence and report its findings to the CRA. (The source must also inform these national organizations - that provided data -.

any error) The CRA must give credit scores credit reports Philadelphia a written report of the investigation, and a copy of your report if the results of the investigation of any change . how to get my free credit report