Employers provide the “Fair Credit Reporting Act” portion of this document to the job applicant or employee whenever either a credit report or background or investigative report is requested. Employers provide the California Notice Regarding Investigative Consumer Reports portion of this document to the job applicant or employee only if a background or investigative report is requested.
Para su conveniencia, debajo del texto en español le brindamos la versión completa de este formulario en inglés. For your convenience, the complete English version of this form is attached below the Spanish version.Resumen de los Derechos de la Ley de Informe de Crédito Justo - California Summary of Fair Credit Reporting Act Rights
State:
California
Control #:
CA-JM-0006
Format:
Word
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FAQ
Como acceder a su informe Puede solicitar una copia gratis de su informe de crA©dito de cada una de las tres principales agencias de informes de crA©dito, EquifaxA®, ExperianA® y TransUnionA®, una vez por aA±o en AnnualCreditReport.com (en inglA©s) o llamando al telA©fono gratuito 1-877-322-8228 (en inglA©s).
La Ley Federal de Informe Justo de Credito (Fair Credit Reporting Act, FCRA) fomenta la exactitud, justicia y privacidad de la informaciA³n en los expedientes de las agencias de informe del consumidor.
La Ley de informe imparcial de credito (FCRA, por sus siglas en inglA©s) promueve la precisiA³n, imparcialidad y privacidad en la informaciA³n en poder de las oficinas de crA©dito.Puede solicitar y obtener toda la informaciA³n sobre usted que tiene en su poder una oficina de crA©dito.
Lo primero que tenes que saber es que esa informaciA³n es pAºblica y gratuita. Y se puede consultar online, simplemente ingresando tu CUIT o CUIL. El Banco Central de la RepAºblica Argentina registra en su Central de Deudores informaciA³n sobre todos los perfiles del sistema financiero argentino.
La Ley de Informe Justo de Credito le da el derecho a ser informados si la informaciA³n en su expediente se ha usado en su contra, el derecho a saber lo que estA¡ en su expediente, el derecho a pedir su puntuaciA³n de crA©dito, y mucho mA¡s. Aprenda cA³mo informar y resolver errores en los informes de crA©dito.
Un informe de credito es una declaraciA³n que tiene informaciA³n acerca de su actividad crediticia y de su situaciA³n actual de crA©dito, como el historial de pago de sus prA©stamos y el estado de sus cuentas de crA©dito. La mayorAa de la gente tiene mA¡s de un informe de crA©dito.
La Ley Federal de Informe Justo de Credito (Fair Credit Reporting Act, FCRA) fomenta la exactitud, justicia y privacidad de la informaciA³n en los expedientes de las agencias de informe del consumidor.