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.
Long Beach 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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The median home price in Long Beach is $875,000 with a median price per sqft of $664. The cost of living index for housing estimates the cost of housing in Long Beach to be 235.2% of the national average. This makes it one of the most expensive cities in the US.
Overall, Long Beach is an ideal location for those who enjoy living near the ocean and mild weather. The city's beaches and oceanfront offer a range of activities, while the mild climate makes it an ideal location for outdoor activities throughout the year.
Long Beach is so close to every terrain and climate that in one day, you could surf in the morning, snow ski in the afternoon, and come home and see a movie at night. Every famous Southern California landmark, attraction, and destination is easily within a two-hour drive from the city.
Long Beach: An underrated destination While part of Los Angeles County, Long Beach has a much more laid-back vibe than LA, yet there is still plenty to do and explore here. There has been a lot of revitalization and new developments going on, making Long Beach an even more attractive destination to visit.
Voted one of America's ?Most Walkable Cities,? Long Beach is comprised of eight distinct neighborhoods and tucked in along the waterfront centrally located to Los Angeles and Orange County. Experience the big-city feel with small-town charm in a unique oceanfront setting ? Welcome to Long Beach.
Long Beach is located in one of the wealthiest counties, in one of the wealthiest nations in the world, yet 22.8% of our residents live at or below the U.S. Federal Poverty Guidelines. That's consistent with the 23.2% of Californians living in poverty, but significantly higher than the national rate of 15.1%.
Long Beach boasts five miles of the finest, cleanest sand and safest bathing in the northeast. There is a fee from Memorial Day to Labor Day (see price schedule in Beach Park section). There are also town and county beach parks in Lido Beach and Point Lookout. Admission is free, but there is a per-car parking charge.
