{"id":293,"date":"2019-05-24T10:30:49","date_gmt":"2019-05-24T17:30:49","guid":{"rendered":"https:\/\/www.fastcreditsolutions.net\/credit_repair_blog\/?p=293"},"modified":"2020-08-12T11:20:58","modified_gmt":"2020-08-12T18:20:58","slug":"credit-reporting-know-your-rights","status":"publish","type":"post","link":"https:\/\/www.fastcreditsolutions.net\/credit_repair_blog\/credit-reporting-know-your-rights\/","title":{"rendered":"Credit reporting: Know your rights!"},"content":{"rendered":"\n<p>When it comes to credit reporting, you must know your rights. Here is an overview of the Federal Fair Credit Reporting Act<br> Your rights under the Fair Credit Reporting Act include:<br><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li> You have the right to receive a copy of your credit report. The copy of your report must contain all of the information in your file at the time of your request. <\/li><li>If you contest the completeness or accuracy of information in your report, you may file a dispute with the CRA and with the company that furnished the information to the CRA. Generally both the CRA and the furnisher of information are legally obligated to reinvestigate your dispute as long as it is not frivolous.<\/li><li>CRA&#8217;s must correct or remove inaccurate, incomplete or unverifiable information in their files. CRA&#8217;s must remove obsolete information in their files.<\/li><li>If you are a victim of identity theft or are on active duty with the military, you have more rights under the FCRA.<\/li><li>Only those with a permitted purpose or with your express permission may access your file. <\/li><li>Generally employers must have your express written permission to obtain your report.<\/li><li>Any company that denies your application, or takes an adverse action against you, based on information obtained from a CRA, must inform you of the adverse action and must supply you with the name and address of the CRA they used. <\/li><li>You have the right to a free copy of your credit report in numerous instances including when your application for credit or employment is adversely affected because of information supplied by the CRA. You can get a free credit report each year in any case.<br><\/li><li>You may opt-out of lists provided by the national credit bureaus that are based on your credit file.<br><\/li><li>You may sue under the FCRA for violations of the Act.<br><\/li><li>Credit scores are available to you on request from credit reporting agencies and sometimes from mortgage lenders. There may be a fee for the score. <\/li><\/ul>\n\n\n\n<p>If you have any issues with the information contained in your credit report, please call or email us for assistance. We have the necessary experience and knowledge to deal directly with the reporting agencies. In most cases we can get the negative information removed or corrected to improve your score and get you the loan or mortgage you desire.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>When it comes to credit reporting, you must know your rights. Here is an overview of the Federal Fair Credit Reporting Act Your rights under the Fair Credit Reporting Act include: You have the right to receive a copy of your credit report. The copy of your report must contain all of the information in &hellip; <a href=\"https:\/\/www.fastcreditsolutions.net\/credit_repair_blog\/credit-reporting-know-your-rights\/\" class=\"more-link\">Continue reading <span class=\"screen-reader-text\">Credit reporting: Know your rights!<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[1],"tags":[42,43,17,9,45,44,29,41,40],"class_list":["post-293","post","type-post","status-publish","format-standard","hentry","category-blog","tag-credit-bureaus","tag-credit-report","tag-credit-reporting","tag-credit-score","tag-fair-credit-reporting-act","tag-fcra","tag-loans","tag-mortgages","tag-reporting-agency"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Credit reporting: Know your rights! - Fast Credit Solutions<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fastcreditsolutions.net\/credit_repair_blog\/credit-reporting-know-your-rights\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Credit reporting: Know your rights! - Fast Credit Solutions\" \/>\n<meta property=\"og:description\" content=\"When it comes to credit reporting, you must know your rights. Here is an overview of the Federal Fair Credit Reporting Act Your rights under the Fair Credit Reporting Act include: You have the right to receive a copy of your credit report. 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Here are a few steps that can help speed up the process. 1. Request a recent credit report directly from the credit reporting agencies Transunion , Experian and Equifax since\u00a0you'll need this report to send in your\u2026","rel":"","context":"In &quot;Blog&quot;","block_context":{"text":"Blog","link":"https:\/\/www.fastcreditsolutions.net\/credit_repair_blog\/category\/blog\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":56,"url":"https:\/\/www.fastcreditsolutions.net\/credit_repair_blog\/credit-reporting-agencies\/","url_meta":{"origin":293,"position":1},"title":"Credit Reporting Agencies","author":"fcsadmin","date":"September 21, 2015","format":false,"excerpt":"The three main credit reporting agencies are: Equifax Experian Transunion Lenders and insurance companies can access the information reported by either or all\u00a0of the credit reporting agencies before they provide you with rates and terms\u00a0for your loan or auto, home or business insurance. Not all lenders and insurance companies use\u2026","rel":"","context":"In &quot;Blog&quot;","block_context":{"text":"Blog","link":"https:\/\/www.fastcreditsolutions.net\/credit_repair_blog\/category\/blog\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":817,"url":"https:\/\/www.fastcreditsolutions.net\/credit_repair_blog\/how-credit-repair-works-a-clear-professional-explanation\/","url_meta":{"origin":293,"position":2},"title":"How Credit Repair Works: A Clear, Professional Explanation","author":"Daniel LVWS","date":"December 29, 2025","format":false,"excerpt":"Understanding how credit repair works is essential if you want to improve your credit profile the right way. Credit repair is often misunderstood, largely because it is surrounded by exaggerated promises and vague explanations. In reality, legitimate credit repair is a structured, law-based process focused on accuracy, verification, and consumer\u2026","rel":"","context":"In &quot;Blog&quot;","block_context":{"text":"Blog","link":"https:\/\/www.fastcreditsolutions.net\/credit_repair_blog\/category\/blog\/"},"img":{"alt_text":"how-credit-repair-works","src":"https:\/\/i0.wp.com\/www.fastcreditsolutions.net\/credit_repair_blog\/wp-content\/uploads\/2025\/12\/how-credit-repair-works-min.png?fit=1200%2C700&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.fastcreditsolutions.net\/credit_repair_blog\/wp-content\/uploads\/2025\/12\/how-credit-repair-works-min.png?fit=1200%2C700&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.fastcreditsolutions.net\/credit_repair_blog\/wp-content\/uploads\/2025\/12\/how-credit-repair-works-min.png?fit=1200%2C700&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/www.fastcreditsolutions.net\/credit_repair_blog\/wp-content\/uploads\/2025\/12\/how-credit-repair-works-min.png?fit=1200%2C700&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/www.fastcreditsolutions.net\/credit_repair_blog\/wp-content\/uploads\/2025\/12\/how-credit-repair-works-min.png?fit=1200%2C700&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":289,"url":"https:\/\/www.fastcreditsolutions.net\/credit_repair_blog\/know-your-credit-report\/","url_meta":{"origin":293,"position":3},"title":"Know your credit report","author":"fcsadmin","date":"April 10, 2019","format":false,"excerpt":"Credit report Your credit report from the 3 US credit reporting agencies, Equifax, Experian and TransUnion, are available for you to view for free annually at AnnualCreditReport.com. Access your report and check for errors and fraudulent accounts. This report doesn't include your credit score. Errors If any discrepancies are noticed,\u2026","rel":"","context":"In &quot;Blog&quot;","block_context":{"text":"Blog","link":"https:\/\/www.fastcreditsolutions.net\/credit_repair_blog\/category\/blog\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":883,"url":"https:\/\/www.fastcreditsolutions.net\/credit_repair_blog\/choosing-the-best-credit-improvement-services-in-las-vegas-a-comprehensive-guide\/","url_meta":{"origin":293,"position":4},"title":"Choosing the Best Credit Improvement Services in Las Vegas: A Comprehensive Guide","author":"Daniel LVWS","date":"March 23, 2026","format":false,"excerpt":"A strong credit score is the foundation of financial opportunity. In a city where the cost of living remains relatively affordable compared to other major metros in the Southwest, a poor score can still shut doors that should be wide open. Mortgage lenders, auto dealerships, insurance companies, and even prospective\u2026","rel":"","context":"In &quot;Blog&quot;","block_context":{"text":"Blog","link":"https:\/\/www.fastcreditsolutions.net\/credit_repair_blog\/category\/blog\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":282,"url":"https:\/\/www.fastcreditsolutions.net\/credit_repair_blog\/how-often-is-my-credit-report-updated\/","url_meta":{"origin":293,"position":5},"title":"How Often is My Credit Report Updated?","author":"fcsadmin","date":"March 26, 2019","format":false,"excerpt":"Credit reporting agencies typically update the information monthly. However, each of your credit account information change more often depending on due dates and payment cycles for each account. Additionally, large credit card companies have millions of accounts and they report portion of them at different times, for easier management of\u2026","rel":"","context":"In &quot;Blog&quot;","block_context":{"text":"Blog","link":"https:\/\/www.fastcreditsolutions.net\/credit_repair_blog\/category\/blog\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]}],"_links":{"self":[{"href":"https:\/\/www.fastcreditsolutions.net\/credit_repair_blog\/wp-json\/wp\/v2\/posts\/293","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fastcreditsolutions.net\/credit_repair_blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fastcreditsolutions.net\/credit_repair_blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fastcreditsolutions.net\/credit_repair_blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fastcreditsolutions.net\/credit_repair_blog\/wp-json\/wp\/v2\/comments?post=293"}],"version-history":[{"count":2,"href":"https:\/\/www.fastcreditsolutions.net\/credit_repair_blog\/wp-json\/wp\/v2\/posts\/293\/revisions"}],"predecessor-version":[{"id":295,"href":"https:\/\/www.fastcreditsolutions.net\/credit_repair_blog\/wp-json\/wp\/v2\/posts\/293\/revisions\/295"}],"wp:attachment":[{"href":"https:\/\/www.fastcreditsolutions.net\/credit_repair_blog\/wp-json\/wp\/v2\/media?parent=293"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fastcreditsolutions.net\/credit_repair_blog\/wp-json\/wp\/v2\/categories?post=293"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fastcreditsolutions.net\/credit_repair_blog\/wp-json\/wp\/v2\/tags?post=293"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}