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Who is responsible for fixing an error in a credit score?

Under the provisions of the Fair Credit Reporting Act, the credit bureau must investigate the error and update you with the results of its investigation within 30 days (as long as they don’t see the request as frivolous).

Who should be contacted if the information in your credit report is inaccurate?

If you identify an error on your credit report, you should start by disputing that information with the credit reporting company (Experian, Equifax, and/or Transunion). You should explain in writing what you think is wrong, why, and include copies of documents that support your dispute.

Who might check your credit report?

Current or potential creditors — like credit card issuers, auto lenders and mortgage lenders — can pull your credit score and report to determine creditworthiness as well. Credit history is a major factor in determining (a) whether to give you a loan or credit card, and (b) the terms of that loan or credit card.

Who may review your credit report without your permission?

The Fair Credit Reporting Act (FCRA) has a strict limit on who can check your credit and under what circumstance. The law regulates credit reporting and ensures that only business entities with a specific, legitimate purpose, and not members of the general public, can check your credit without written permission.

Can a company do a credit check without permission?

A credit check, also known as a credit search, is when a company looks at information from your credit report to understand your financial behaviour. They don’t always need your consent to do this, but they must have a legitimate reason (e.g. you applied for a loan with them).

What can I do if someone ran my credit without permission?

If your credit was run in error or without your authorization, you have the right to ask the credit bureau in question to delete the inquiry from your credit file. You may need to file a dispute with the credit bureau, as well as with the company that provided the information on the inquiry.

Can I check my husband’s credit report?

You and your spouse are each entitled to one free copy of your credit report every 12 months from each of the three major credit bureaus (Equifax, Experian and TransUnion). Requesting a free copy of your credit report has no impact on your spouse, and vice versa.