Not every consumer reporting company will have information on every consumer.
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For companies required to provide the information in your report for free annually upon request, they must do so within fifteen days of receiving your request. Requesting copies of your own consumer reports does not hurt your credit scores. All consumer reporting companies must provide you with a copy of your information for a reasonable fee (for calendar year 2016, the maximum allowable fee remains unchanged at $12.00). Additionally, they must give you a free copy of your information if you request it if an adverse action is taken against you based on information in your report from that company and under other specific circumstances.
Many must do so every twelve months for free upon your request.
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How to request a report Under the Fair Credit Reporting Act (FCRA), all consumer reporting companies are required to provide you a copy of the information in your report if you request it. A key purpose of this list is to provide the information you need, so you can decide for yourself which reports are important to you, and are worth requesting and fact- checking. The first step is to review them to ensure they are accurate and complete. The accuracy and completeness of your personal reports, therefore, is extremely important. Outside of employment screening, adverse action notifications are provided after the fact, say, when you have already been rejected for a home loan, residential rental property or auto lease. You can get rejected without warning With the exception of employment screening, users of consumer reports generally do not warn you in advance if they are about to take an adverse action against you based in whole or in part on your consumer report. Gaming casinos that extend credit to consumers.Retail stores for product return fraud and abuse screening as well as retail stores that offer financing such as appliance and rent-to-own businesses, among others.Communications and utility companies (e.g., mobile phone pay TV, electric, gas, water for utility bill repayment screening ).Insurance companies ( health, life, property insurance screening ).Debt buyers and collectors (e.g., medical debt collectors).Companies that market and sell products and services to low-income consumers and subprime credit applicants, such as short-term lending and rent-to-own businesses among others.Banks, credit unions, payment processors and retail stores that accept personal checks ( check screening).Landlords and residential real estate management companies ( tenant screening).Employers and others such as government agencies ( employment and background screening).To provide your suggested corrections or additions to the list, contact the Bureau at a nd include “Attn: Jonah Kaplan” in the subject line. Furthermore, presence on, or absence from, this list does not indicate whether the consumer reporting company is subject to the Bureau’s supervisory or enforcement authority. Nor does it reflect determinations as to whether any particular entity is subject to the Fair Credit Reporting Act or any part thereof. This list doesn’t cover every company in the industry. The list incorporates information from the companies’ own self-descriptions that has not been independently verified by the Bureau. It includes entities that have identified themselves as consumer reporting companies, or have indicated when they provide consumers access to their personal consumer reports. Lenders (including those that offer credit cards, home, payday, auto (including auto leasing) and student loans).Who can see your consumer credit report? Consumer reporting companies must follow legal restrictions but generally can provide consumer credit reports and scores to an array of businesses, including: It also makes it easier for you to take advantage of your legal rights to (1) obtain the information in your consumer reports, and (2) dispute report inaccuracies with companies as needed. The list gives you tips so you can determine which of these companies may be important to you.
The list below includes the three largest nationwide consumer reporting companies and several specialty reporting companies that focus on certain market areas and consumer segments. These companies use these reports to inform decisions about providing you with credit, employment, residential rental housing, insurance, and in other decision making situations. Below is a list of consumer reporting companies updated for 2016.1 Consumer reporting companies collect information and provide reports to other companies about you.