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A credit inquiry, sometimes known as a credit pull, is a request to look at your credit report. Inquiries happen when individuals or companies want to know more about your financial health ...
Your FCRA rights regarding unauthorized credit report access. The FCRA holds liable any credit bureau personnel who provide a copy of your credit report to unauthorized persons. The FCRA also ...
There are two different types of credit inquiries: hard inquiries, which can have a negative effect on your credit score, and soft inquiries, which don’t affect your credit score at all.
AnnualCreditReport.com is a website jointly operated by the three major U.S. credit reporting agencies, Equifax, Experian, and TransUnion.The site was created in order to comply with their obligations under the Fair and Accurate Credit Transactions Act (FACTA) [1] to provide a mechanism for American consumers to receive up to three free credit reports per year.
The Fair Credit Billing Act (FCBA) is a United States federal law passed during the 93rd United States Congress and enacted on October 28, 1974 as an amendment to the Truth in Lending Act (codified at 15 U.S.C. § 1601 et seq.) and as the third title of the same bill signed into law by President Gerald Ford that also enacted the Equal Credit Opportunity Act.
Under the Fair and Accurate Credit Transactions Act (FACTA), an amendment to the FCRA passed in 2003, consumers are able to receive a free copy of their consumer report from each credit reporting agency once a year. [7] The free report can be requested by telephone, mail, or through the government-authorized website: AnnualCreditReport.com. [8]
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