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You have 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.
You have 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 CRA they contacted, provided the denial was
based on information given by the CRA.
You have the right to a free copy of your credit
report when your application is denied because
of information supplied by the CRA. 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 CRA and with the company that
furnished the information to the CRA. Both the
CRA and the furnisher of information are legally
obligated to investigate your dispute.
You have a right to add a summary explanation
to your credit report if your dispute is not resolved
to your satisfaction.
This information is adapted from "Bound
for Good Credit" published by the Federal
Trade Commission.
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