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Madison • Janesville • Beloit • Monroe • Baraboo • Portage • Beaver Dam • Reedsburg • Richland Center • Fort Atkinson • WatertownThe Truth about Credit Reports
Free Credit Reports Available Online Or By Telephone
Under the Fair Credit Reporting Act, you are entitled to receive one free credit report from each of the nationwide consumer reporting companies every 12 months. These companies are Transunion, Equifax and Experian.
Annualcreditreport.com
To order your free credit report, go to annualcreditreport.com and fill out the required application. It is a rather simple process. Be prepared to give your name, address, social security number and date of birth. You should be able to access and print out a credit report within minutes. If you do not want to access your report online, you may call 1-877-322-8228. If you order by telephone, it will take around 15 days to get the report.
What Information Is In A Credit Report
A credit report contains information on where you have lived, where you have been employed, whether you have been sued and whether you have previously filed for bankruptcy. A credit report contains the names, addresses, account numbers and balances for credit accounts considered “satisfactory” and those accounts considered “adverse.” A credit report will identify any entities who have received a copy of your credit report and who have made inquiries about your credit history. Your credit report may not reflect all of your credit accounts. Although most national department store, credit card, and bank credit card accounts will be listed, credit accounts from smaller or more local retailers may not.
Credit Report Scams
Annualcreditreport.com is the only website that is authorized to provide you with the free annual credit report that you are entitled to under the law. Be wary of other websites which claim to provide “free credit reports,” “free credit scores,” or other similar services. These are “bait and switch” type deals. You may get some small, usually unhelpful information for free, but then have to pay in order to get the full data.
Errors And Incorrect Information On Credit Reports
You may find errors or incorrect information on your credit report. If you do, you should contact both the credit reporting company and the creditor in writing and explain what information you believe is incorrect. The Fair Credit Reporting Act requires consumer reporting companies and information providers, usually creditors, to remedy incorrect entries. The credit reporting companies are generally required to investigate disputed items within 30 days. They must also forward your disputes and supporting information to the information provider. The information provider must also investigate and then respond back to the credit reporting company. If the information provider determines that the disputed information is inaccurate, it is required to notify all three nationwide credit reporting companies so that the error may be corrected. The credit reporting company is then required to give you the results of the investigation and a free copy of your report if the dispute results in a change.
Contact Wisconsin bankruptcy attorney Steven Zaleski for your free initial consultation. We can meet in our Madison or Janesville locations whichever is most convenient for you. Payment plans are available, including paying fees over time as part of the bankruptcy plan. | Madison Office
10 East Doty Street, Suite 800
Madison, WI 53703
Phone: (608) 441-5199
Fax: (608) 441-5707 | Janesville Office
20 E. Milwaukee, Suite 302
Janesville, WI 53545
Phone: (608) 758-4080
Fax: (608) 758-4081 |
The Zaleski Law Firm is a debt relief agency. We help people file for Chapter 13 and Chapter 7 bankruptcy relief under the Bankruptcy Code. The Zaleski Law Firm serves clients in Dane County (Madison, Middleton, Monona, Stoughton, Fitchburg), Rock County (Janesville, Beloit), Columbia County (Columbus, Portage, Wisconsin Dells), Green County (Monroe), Sauk (Sauk City, Baraboo, DeForest, Wisconsin Dells), Lafayette County, Adams County, Grant County and the surrounding areas. Printer Friendly View
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