Equifax Credit Information Services Credit Report Rip Off Atlanta Georgia

It is annualcreditreport.com There is absolutely no fee for this and no credit card information submitted. You can choose one or all three ( I believe) of the credit reporting agencies. I just got my free credit report from Equifax and all it asked was a few questions that were contained in my credit report, such as what is my monthly house note and gave a range that I chose from for identity purposes.


MRBILL is a bottomfeeding bill collector, so don't ever listen to any advise that fool provides.

HAROLD,
IT WILL TAKE SOME TIME. YOUR REQUEST TOOK 4-10DAYS TO GET TO THEM, THEY MOST LIKELY, HAVE A BIG PILE TO GO THROUGH, SO FIGURE AT LEAST A WEEK IN PROCESS & ANOTHER 4-10 DAYS TO GET BACK TO YOU. IN THE MEAN TIME, IF YOU GO TO ANNUALCREDITREPORT.COM, YOU CAN GET ALL 3 REPORTS FREE ONCE A YEAR. YOU CAN ALSO GET YOUR SCORES FOR 8.00 PER REPORT.

ROBERT,
I MAKE A BETTER LIVING THAN YOU, IM SURE! "A simple denial letter telling the consumer how to contact a specific CRA is NOT good enough." YES IT IS! AS LONG AS THEY PROVIDE A LEGALLY ACCEPTABLE REASON FOR THE DENIAL. DONT GET MAD BECAUSE YOUR OFTEN WRONG & FEEL THE NEED TO ATTACK OTHERS! YOU & STEVE ARE THE BIGGEST BAFOONS ON HERE.

The day after I eceived the letter from the credit union I mailed the request to Equifax along with a copy of the letter of denial and provided my name, SSN, and address to afford them all the information they would need. So far there has been no responce from Equifax..

I believe that's why they gave the address in the letter. I believe you have to write to them and request the copy. It's been awhile but I seem to remember doing that myself.

I guess I should have been more detailed in what I said in my orignal comment. My credit union provided me with a letter telling me that I was being denied a loan because of negative reports on my credit history and that the information was provided by Equifax Credit Services. Also in the letter was Equifax's address and telephone number to contact them with. This was all done in accordance with the law as I understand it. But the problem came there after.

When I try to contact Equifax by telephone I never did get to converse with a human in the first part, it was always a recording giving me multiple choices that would turn me over to another voice recording and so on. None of the choices were how to obtain a free copy of my credit report that was provided to my credit union. All choices lead to how to purchase a copy of my credit report. Then when I went to the internet the Equifax web sight does the same thing. You can purchase the report but no where does it provide you information as to how to get a free credit report if you have been denied. This is where I see a scam. You can not challange a report that you can not get a copy of.

I did not post what you did. I guess you should try a reading course or two.

I have my own files. I posted the sections that are applicable from 3 different federal laws.

I corrected myself on the small point because unlike you and some others, I actually admit it when I make a mistake. Further, every creditor I have ever delt with here in WNY, has provided the adverse information in WRITING, without any hesitation, when requested.

Any employer or creditor that takes adverse action based on adversed information in a credit report must furnish that adverse information to the consumer when requested.

A simple denial letter telling the consumer how to contact a specific CRA is NOT good enough.

Now, just so I get another laugh or two, tell us how you make a living counseling folks!. LOL!

ALL YOU DID WAS PASTE IN THE SAME THING THAT I DID!!! ALL THE LAW REQUIRES IS THAT THE CREDITOR PROVIDE THE REASONS FOR DENIAL. THIS OP WANTS THEIR REPORT. WHAT PART OF THAT DID YOU NOT GET? "I could not talk to a human nor could I get any information as to how to get a copy of my credit report as directed by Federal Law that is required of the reporting credit reporting provider.

Under this same law the credit report is to be provided free of charge to the individual denied credit because of this report." WHY DO YOU INSIST ON ARGUING WITH PEOPLE ON HERE OVER THIS KIND OF THING? IN THE SAME POST YOU BOTH ADMIT YOU WERE WRONG THEN FOLLOW IT UP WITH "As to the law, here it is. After you get done reading, go back to your cubicle:" JUST AFTER "I'll correct myself on one small point, it doesn't HAVE to be in writing per the federal laws? WHAT? MAYBE IF YOU HAD A CUBICLE TO GO TO MAYBE YOU WOULD HAVE SOMETHING TO DO OTHER THAN GIVE BS ADVICE ON HERE & INSULT PEOPLE JUST BECAUSE THEY HAPPEN TO MAKE THEIR LIVING ON CREDIT LAWS. WHAT A DUFUS! WHY DONT YOU TRY GETTING OFF SSI & DO SOMETHING CONSTRUCTIVE, HELL ILL BET STEVE WILL GET YOU ON AT RAC!

ALL YOU DID WAS PASTE IN THE SAME THING THAT I DID!!! ALL THE LAW REQUIRES IS THAT THE CREDITOR PROVIDE THE REASONS FOR DENIAL. THIS OP WANTS THEIR REPORT. WHAT PART OF THAT DID YOU NOT GET? "I could not talk to a human nor could I get any information as to how to get a copy of my credit report as directed by Federal Law that is required of the reporting credit reporting provider.

Under this same law the credit report is to be provided free of charge to the individual denied credit because of this report." WHY DO YOU INSIST ON ARGUING WITH PEOPLE ON HERE OVER THIS KIND OF THING? IN THE SAME POST YOU BOTH ADMIT YOU WERE WRONG THEN FOLLOW IT UP WITH "As to the law, here it is. After you get done reading, go back to your cubicle:" JUST AFTER "I'll correct myself on one small point, it doesn't HAVE to be in writing per the federal laws? WHAT? MAYBE IF YOU HAD A CUBICLE TO GO TO MAYBE YOU WOULD HAVE SOMETHING TO DO OTHER THAN GIVE BS ADVICE ON HERE & INSULT PEOPLE JUST BECAUSE THEY HAPPEN TO MAKE THEIR LIVING ON CREDIT LAWS. WHAT A DUFUS! WHY DONT YOU TRY GETTING OFF SSI & DO SOMETHING CONSTRUCTIVE, HELL ILL BET STEVE WILL GET YOU ON AT RAC!

ALL YOU DID WAS PASTE IN THE SAME THING THAT I DID!!! ALL THE LAW REQUIRES IS THAT THE CREDITOR PROVIDE THE REASONS FOR DENIAL. THIS OP WANTS THEIR REPORT. WHAT PART OF THAT DID YOU NOT GET? "I could not talk to a human nor could I get any information as to how to get a copy of my credit report as directed by Federal Law that is required of the reporting credit reporting provider.

Under this same law the credit report is to be provided free of charge to the individual denied credit because of this report." WHY DO YOU INSIST ON ARGUING WITH PEOPLE ON HERE OVER THIS KIND OF THING? IN THE SAME POST YOU BOTH ADMIT YOU WERE WRONG THEN FOLLOW IT UP WITH "As to the law, here it is. After you get done reading, go back to your cubicle:" JUST AFTER "I'll correct myself on one small point, it doesn't HAVE to be in writing per the federal laws? WHAT? MAYBE IF YOU HAD A CUBICLE TO GO TO MAYBE YOU WOULD HAVE SOMETHING TO DO OTHER THAN GIVE BS ADVICE ON HERE & INSULT PEOPLE JUST BECAUSE THEY HAPPEN TO MAKE THEIR LIVING ON CREDIT LAWS. WHAT A DUFUS! WHY DONT YOU TRY GETTING OFF SSI & DO SOMETHING CONSTRUCTIVE, HELL ILL BET STEVE WILL GET YOU ON AT RAC!

ALL YOU DID WAS PASTE IN THE SAME THING THAT I DID!!! ALL THE LAW REQUIRES IS THAT THE CREDITOR PROVIDE THE REASONS FOR DENIAL. THIS OP WANTS THEIR REPORT. WHAT PART OF THAT DID YOU NOT GET? "I could not talk to a human nor could I get any information as to how to get a copy of my credit report as directed by Federal Law that is required of the reporting credit reporting provider.

Under this same law the credit report is to be provided free of charge to the individual denied credit because of this report." WHY DO YOU INSIST ON ARGUING WITH PEOPLE ON HERE OVER THIS KIND OF THING? IN THE SAME POST YOU BOTH ADMIT YOU WERE WRONG THEN FOLLOW IT UP WITH "As to the law, here it is. After you get done reading, go back to your cubicle:" JUST AFTER "I'll correct myself on one small point, it doesn't HAVE to be in writing per the federal laws? WHAT? MAYBE IF YOU HAD A CUBICLE TO GO TO MAYBE YOU WOULD HAVE SOMETHING TO DO OTHER THAN GIVE BS ADVICE ON HERE & INSULT PEOPLE JUST BECAUSE THEY HAPPEN TO MAKE THEIR LIVING ON CREDIT LAWS. WHAT A DUFUS! WHY DONT YOU TRY GETTING OFF SSI & DO SOMETHING CONSTRUCTIVE, HELL ILL BET STEVE WILL GET YOU ON AT RAC!

The creditor must supply the information to the consumer when the consumer requests it. There is no need for the consumer to go to the CRA unless the consumer wishes to review his/her entire credit report.

The creditor does not have to supply the entire report, only the PORTIONS OF ADVERSE information that was used to deny the credit.

I'll correct myself on one small point, it doesn't HAVE to be in writing per the federal laws - but this is a small point. MOST if not ALL creditors who deny credit will provide the adverse information in WRITING when requested so as to avoid any possible actions for violating the law.

As to the law, here it is. After you get done reading, go back to your cubicle:

adverse actions FCRA:

(2) Subsequent disclosure. After taking any adverse action based in whole or in part on a communication described in paragraph (1), the employer shall disclose to the consumer a summary containing the nature and substance of the communication upon which the adverse action is based, except that the sources of information acquired solely for use in preparing what would be but for subsection (d)(2)(D) an investigative consumer report need not be disclosed

(3) Conditions on use for adverse actions.
(A) In general. Except as provided in subparagraph (B), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates--
(i) a copy of the report; and
(ii) a description in writing of the rights of the consumer under this title, as prescribed by the Federal Trade Commission under section 609(c)(3).1

General report users:

(c) Disclosure of consumer reports by users allowed. A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report

In General:

(1) In general. Whenever credit for personal, family, or household purposes involving a consumer is denied or the charge for such credit is increased either wholly or partly because of information obtained from a person other than a consumer reporting agency bearing upon the consumer's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living, the user of such information shall, within a reasonable period of time, upon the consumer's written request for the reasons for such adverse action received within sixty days after learning of such adverse action, disclose the nature of the information to the consumer. The user of such information shall clearly and accurately disclose to the consumer his right to make such written request at the time such adverse action is communicated to the consumer.

(2) Duties of Person Taking Certain Actions Based on Information Provided by Affiliate
(A) Duties, generally. If a person takes an action described in subparagraph (B) with respect to a consumer, based in whole or in part on information described in subparagraph (C), the person shall
(i) notify the consumer of the action, including a statement that the consumer may obtain the information in accordance with clause (ii); and
(ii) upon a written request from the consumer received within 60 days after transmittal of the notice required by clause (I), disclose to the
consumer the nature of the information upon which the action is based
by not later than 30 days after receipt of the request.

(C) Information described. Information referred to in subparagraph (A)
(i) except as provided in clause (ii), is information that
(I) is furnished to the person taking the action by a person related by
common ownership or affiliated by common corporate control to
the person taking the action; and
(II) bears on the credit worthiness, credit standing, credit capacity,
character, general reputation, personal characteristics, or mode of
living of the consumer; and

Fair and Accurate Credit Transaction act.:

(C) the effects of requiring that a consumer who has experienced an adverse action based on a credit report receives a copy of the same credit report that the creditor relied on in taking the adverse action, including

Equal Credit Opportunity Act:

(2) Each applicant against whom adverse action is taken shall be entitled to a statement of reasons for such action from the creditor. A creditor satisfies this obligation by--
(A) providing statements of reasons in writing as a matter of course to applicants against whom adverse action is taken; or
(B) giving written notification of adverse action which discloses (i) the applicant's right to a statement of reasons within thirty days after receipt by the creditor of a request made within sixty days after such notification, and (ii) the identity of the persons or office from which such statement may be obtained. Such statement may be given orally if the written notification advises the applicant of his right to have the statement of reasons confirmed in writing on written request.

OK SMART GUY, CITE THE LAW THAT SAYS THAT! I HAVE BEEN IN THE CREDIT INDUSTRY FOR 12YRS NOW. I HAVE WORKED FOR BANKS, COLLECTION AGENCIES & NOW AM SELF EMPLOYED DOING CREDIT COUNSELING. I KNOW CREDIT LAW BETTER THAN A GUY THAT GETS ALL HIS EDUCATION FROM THE LIKES OF STEVE & FARON! THE ECOA IS WHERE CREDIT DENIAL IS ADDRESSED, NOT THE FCRA, WHICH APPLIES TO ESTABLISHED ACCTS & INFORMATION.
NOTICE THAT THE CREDITOR ONLY HAS TO SUPPLY A COPY OF THE REPORT IF THE CONSUMER IS DENIED A REAL ESTATE LOAN

FYI

(d) Reason for adverse action; procedureapplicable; ''adverse action''
defined

(1) Within thirty days (or such longer reasonable time as specified in regulations of the Board for any class of credit transaction) after receipt of a completed application for credit, a creditor shall notify the applicant of its action on the application.
(2) Each applicant against whom adverse action is taken shall be entitled to a statement of reasons for such action from the creditor. A
creditor satisfies this obligation by--
(A) providing statements of reasons in writing as a matter of course to applicants against whom adverse action is taken; or
(B) giving written notification of adverse action which discloses (i) the applicant's right to a statement of reasons within thirty days after receipt by the creditor of a request made within sixty days after such notification, and (ii) the identity of the person or office from which such statement may be obtained. Such statement may be given orally if the written notification advises the applicant of his right to have the statement of reasons confirmed in writing on written request.

(3) A statement of reasons meets the requirements of this section
only if it contains the specific reasons for the adverse action taken.
(4) Where a creditor has been requested by a third party to make a specific extension of credit directly or indirectly to an applicant, the notification and statement of reasons required by this subsection may be made directly by such creditor, or indirectly through the third party, provided in either case that the identity of the creditor is disclosed.
(5) The requirements of paragraph (2), (3), or (4) may be satisfied by verbal statements or notifications in the case of any creditor who
did not act on more than one hundred and fifty applications during the calendar year preceding the calendar year in which the adverse action is
taken, as determined under regulations of the Board.
(6) For purposes of this subsection, the term ''adverse action'' means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. Such
term does not include a refusal to extend additional credit under an existing credit arrangement where the applicant is delinquent or
otherwise in default, or where such additional credit would exceed a previously established credit limit.

(e) Appraisals; copies of reports to applicants; costs

Each creditor shall promptly furnish an applicant, upon written request by the applicant made within a reasonable period of time of the
application, a copy of the appraisal report used in connection with the applicant's application for a loan that is or would have been secured by
a lien on residential real property. The creditor may require the applicant to reimburse the creditor for the cost of the appraisal.

HERE IS SOME INFO I FOUND ON A LA COUNTY PAGE ITS PRETTY GOOD EXPLAINATION OF CREDIT FOR THOSE THAT DONT UNDERSTAND HOW CREDIT WORKS. YOU SHOULD STUDY IT ROBERT. MAYBE THEN, YOU COULD GIVE SOME ADVICE WITHOUT STICKING YOUR FOOT IN YOUR MOUTH.


Credit Denial

If you apply for a credit card or a loan and the company turns you down, they must send you a written notice within 30 days.

Written notice required
You must be informed in writing why you were denied a credit card or loan. If the letter you receive doesn't say why you were denied, it must tell you of your right to be given the specific reasons for denial if you request it. You should always request this information.

The reasons they give for rejecting your application must be specific, such as, "Your income is too low," You have not been working long enough, or "You didn't receive enough points on our credit scoring system."

General statements like, "You didn't meet our standards," are not enough. If they reviewed your credit report before making their decision, they must tell you the name of the credit reporting agency that gave them your credit report.

You are entitled to a free copy of your credit report
You have the right to get a free copy of your credit report within 60 days of being denied credit. Simply contact the credit reporting agency that provided the credit report and ask for a free report.

You can also get a Free Credit Report every 12 months.

Credit Scoring Systems
Loaning money is a risk. Most people pay their bills, but some don't. Companies don't want to give credit cards or loan money to people that are unlikely to pay it back. To help them decide if you are a good credit risk or not, most companies use credit scoring systems. Credit scoring systems help them decide how likely you are to repay money you borrow from them or charge on a credit card.

When you apply for credit or a loan, the company will review your application and your credit report. They get your credit report from a credit reporting agency. Your credit report tells them your credit history. It tells them if you pay bills on time, or if you are normally late in making payments. It also tells them how much you owe on your house, your car, and other loans and credit cards you already have. They take information about you from your application and credit report and feed it into a computer program. The computer program takes this information and outputs a credit score. Your credit score helps them decide whether to grant or deny you credit.

One of the most commonly used scores is your FICO score. The higher your FICO score, the better the loan you can get. You can use this calculator to find out the interest rate you qualify for. If your FICO score is low, you can learn how to improve your score.

Information that can and cannot be considered in your credit score
When you apply for a credit card or a loan, they can consider your income, expenses, debts, and credit history, but cannot consider your sex, race, national origin, religion, or age, unless you are less than 18 years old.

They must count as income any money that comes from full or part time employment, public assistance, child support, alimony, pensions, annuities or retirement. They cannot deny credit because of the source of your income.

If you are married and share an account, the companies that report your account information to a credit reporting agency must report both of your names. This will enable each of you to build separate credit histories.

Things to do if you were denied credit
To get a better understanding of why you were denied credit, speak to someone in the credit department at the company that denied you credit. You should also speak with them if credit was approved, but at a higher interest rate than you wanted. Ask them if a credit scoring system was used. If so, ask them what factors caused you to be denied credit or to be given credit on worse terms than you wanted. Ask them the best ways to improve your application.

If you were denied because of incorrect information in your credit report, get your credit report and dispute the errors that are in it. Review Your Credit Report and Correct Errors.

If you were denied because you have too many credit cards or too much outstanding debt, you can reapply after paying down your balances or closing some accounts.

Your credit profile is always changing
You're in control of your credit. Your credit gets better when you pay bills on time, pay down accounts, reduce the number of credit cards you have, or increase your income. As your credit improves, companies will be more willing to give you credit at good interest rates.

brush up on the law before critizing others.

The institution that DENIES the credit based on adverse information from a credit reporting agency MUST provide a copy of the credit report containing the adverse information to the applicant free of charge. A simple denial letter which indicates which CRA provided the information is NOT IN COMPLIANCE with the law - a copy of the credit report containing the adverse information is required.

This credit union is violating the FCRA.

to furnish you with a copy of the credit report containing the adverse information they used as justification for denying you credit.

This is required by the Federal Fair Credit Reporting Act. You do not have to contact the credit reporting agency to find out what information caused the credit union to deny you credit - the credit union MUST provide a copy of the adverse information to you - and they must provide it to you in writing and free of charge.

I would go back to the credit union and remind them that they are violating the FCRA by not furnishing you with a copy of the report containing the adverse information.

to furnish you with a copy of the credit report containing the adverse information they used as justification for denying you credit.

This is required by the Federal Fair Credit Reporting Act. You do not have to contact the credit reporting agency to find out what information caused the credit union to deny you credit - the credit union MUST provide a copy of the adverse information to you - and they must provide it to you in writing and free of charge.

I would go back to the credit union and remind them that they are violating the FCRA by not furnishing you with a copy of the report containing the adverse information.

to furnish you with a copy of the credit report containing the adverse information they used as justification for denying you credit.

This is required by the Federal Fair Credit Reporting Act. You do not have to contact the credit reporting agency to find out what information caused the credit union to deny you credit - the credit union MUST provide a copy of the adverse information to you - and they must provide it to you in writing and free of charge.

I would go back to the credit union and remind them that they are violating the FCRA by not furnishing you with a copy of the report containing the adverse information.

to furnish you with a copy of the credit report containing the adverse information they used as justification for denying you credit.

This is required by the Federal Fair Credit Reporting Act. You do not have to contact the credit reporting agency to find out what information caused the credit union to deny you credit - the credit union MUST provide a copy of the adverse information to you - and they must provide it to you in writing and free of charge.

I would go back to the credit union and remind them that they are violating the FCRA by not furnishing you with a copy of the report containing the adverse information.

ON THE CREDIT DENIAL LETTER, BY LAW, THE CREDITOR PROVIDES THE NAME & ADDRESS OF THE REPORTING AGENCY USED. YOU HAD TO HAVE SEEN THAT IN ORDER TO HAVE KNOWN THAT EQUIFAX WAS THAT AGENCY. PEOPLE NEED TO LEARN TO READ THINGS BEFORE COMPLAINING ON HERE.

ON THE CREDIT DENIAL LETTER, BY LAW, THE CREDITOR PROVIDES THE NAME & ADDRESS OF THE REPORTING AGENCY USED. YOU HAD TO HAVE SEEN THAT IN ORDER TO HAVE KNOWN THAT EQUIFAX WAS THAT AGENCY. PEOPLE NEED TO LEARN TO READ THINGS BEFORE COMPLAINING ON HERE.

ON THE CREDIT DENIAL LETTER, BY LAW, THE CREDITOR PROVIDES THE NAME & ADDRESS OF THE REPORTING AGENCY USED. YOU HAD TO HAVE SEEN THAT IN ORDER TO HAVE KNOWN THAT EQUIFAX WAS THAT AGENCY. PEOPLE NEED TO LEARN TO READ THINGS BEFORE COMPLAINING ON HERE.

ON THE CREDIT DENIAL LETTER, BY LAW, THE CREDITOR PROVIDES THE NAME & ADDRESS OF THE REPORTING AGENCY USED. YOU HAD TO HAVE SEEN THAT IN ORDER TO HAVE KNOWN THAT EQUIFAX WAS THAT AGENCY. PEOPLE NEED TO LEARN TO READ THINGS BEFORE COMPLAINING ON HERE.