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.
Bakersfield California 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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Industries in and around Bakersfield include natural gas and other energy extraction, mining, petroleum refining, distribution, food processing, and corporate regional offices. The city is the birthplace of the country music genre known as the Bakersfield sound.
Dubbed ?Nashville West,? Bakersfield is renowned for its contributions to country music and is the home of many recording artists, including Merle Haggard and Buck Owens. Educational institutions include Bakersfield (community) College (founded 1913) and California State University, Bakersfield (1965).
Living in Bakersfield offers residents a dense suburban feel and most residents own their homes. In Bakersfield there are a lot of parks. Many families and young professionals live in Bakersfield and residents tend to have moderate political views. The public schools in Bakersfield are above average.
In 2021, there were 1.13 times more White (Non-Hispanic) residents (122k people) in Bakersfield, CA than any other race or ethnicity. There were 108k White (Hispanic) and 55.6k Other (Hispanic) residents, the second and third most common ethnic groups. 52% of the people in Bakersfield, CA are hispanic (207k people).
Bakersfield, California's cost of living is 10% higher than the national average.
Bakersfield was first established in 1859. It was originally known as Kern County. The original name of the town was Wheat Fields, and it was later changed to Bakersfield in 1863 named after Thomas Baker who settled on the banks of the Kern river due to the California gold rush.
Industries in and around Bakersfield include natural gas and other energy extraction, mining, petroleum refining, distribution, food processing, and corporate regional offices. The city is the birthplace of the country music genre known as the Bakersfield sound.
With a population of around 405,000, Bakersfield saw a violent crime rate of 498 per 100,000 in 2022, which is 27% higher than the national average, ing to the study. In 2022, there were over 15,500 incidents of property crime in Bakersfield, PropertClub says.
