Credit repair services and resources for Americans.

The Fair Credit Reporting Act gives you some vitally important rights as explained below. It is possible that you have additional rights, depending on the State where you reside. Contact your State officials or your Local Consumer Protection Agency for more information.

You must be told if information in your file has been used against you. Anyone who uses information from a CRA to take action against you, such as denying an application for credit, insurance or employment, must tell you, and give you the name, address, and phone number of the CRA that provided the consumer report.

You have the right to know what is in your credit file and therefore, what is negatively impacting your credit score. Upon your request, a CRA must give you the information in your file and a list of everyone who has requested it recently. There is no charge for the credit report if: a any person or business has taken action against you because of information supplied by the CRA, or if you request the report within 60 days of being notified of the action. 

In the past, consumers were entitled to one free report every twelve months, upon request, only if one of the following conditions was met:

1) You are unemployed and intend to seek employment within 60 days
2) You are on welfare
3) your report is inaccurate as a result of fraud 

If none of these conditions pertained to you, a CRA had the right to charge you up to eight dollars for a copy of your credit report. Due to new FTC regulations, this is no longer the case.

New regulations state that a consumer reporting agency must provide any consumer who makes a formal request with a copy of their credit report for free, once every 12 months. This is a welcome and useful change for consumers, especially those who found it difficult to afford the costs charged by the CRAs for copies of their own information. It also makes it easier for people to understand how their credit score may be negatively impacting their financial situation and why they may want to consider professional credit repair services.