Request Disclosure Information

 Request for Disclosure of Reasons for Increasing Charge for Credit Regarding Credit Application Where Action Was Based on Information Not Obtained by Reporting Agency
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US-01403BG
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Description

The Fair Credit Reporting Act (FCRA) is designed to help ensure that credit bureaus furnish correct and complete information to businesses to use when evaluating your application. Your rights include:

The right to receive a copy of your credit report. The copy of your report must contain all of the information in your file at the time of your request.

The right to know the name of anyone who received your credit report in the last year for most purposes or in the last two years for employment purposes.

Any company that denies your application must supply the name and address of the credit bureau they contacted, provided the denial was based on information given by the credit bureau.

The right to a free copy of your credit report when your application is denied because of information supplied by the credit bureau. Your request must be made within 60 days of receiving your denial notice.

If you contest the completeness or accuracy of information in your report, you should file a dispute with the credit bureau and with the company that furnished the information to the bureau. Both the credit bureau and the furnisher of information are legally obligated to investigate your dispute.

A right to add a summary explanation to your credit report if your dispute is not resolved to your satisfaction.

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FAQ

What must be listed on every adverse action disclosure?

What is credit disclosure?

When must you provide a risk-based pricing disclosure?

What is a credit disclosure?

What must be included in an adverse action notice?

Under what law is a lender required to provide an adverse action disclosure if the borrower's credit is the reasoning for all or part of the decision to deny the loan application?

What are the only three reasons a creditor may deny credit?

When a consumer requests a file disclosure from a consumer reporting agency the consumer reporting agency is required to disclose?

When must you provide disclosures concerning the consumers credit score?

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