John Cole Gayle, Jr., Esq. & Ian Edward Vance, Esq.Protecting and fighting for consumer rights
Call Today 804-282-7900
Is this information free?
Yes, in certain circumstances. If your application was denied because of information furnished by the Consumer Reporting Agency, and if you request a copy of your report within 60 days of receiving the denial notice, you are entitled to the information without charge. You are also entitled to one free credit report once in any 12-month period, if you certify in writing that you: - Are unemployed and intend to apply for a job in the next 60 days; - Are receiving public welfare assistance; or - Believe that your report is wrong due to fraud. If you don't meet one of these requirements, the Consumer Reporting Agency may charge a reasonable fee, usually about $9.00. There is a central site that allows you to request a free credit report once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian, and TransUnion. Please visit annualcreditreport for more information. (See our link to this site in our RESOURCES section.)