You may think you're badly off but lots of others are far worse. Help them out. Every time you click on The Hungersite you send a cupful of food to hungry kids in the 3rd world. Do it a couple times a day. You'll feel good.
CREDIT REPORT
Consumer reporting companies collect this information, create a credit report, and then sell it to businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home.
A consumer reporting company can report most accurate negative information for seven years and bankruptcy information for 10 years.
You have the right to receive a free copy of your credit report every year. The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, if you ask for it, once every 12 months.
You will have to answer some questions to prove that you are who you say you are and to make sure you get the right credit report.
To order your free credit report, visit annualcreditreport.com, call 1-877-322-8228, or complete the Annual Credit Report Request Form available at ftc.gov/free reports and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
After you receive your credit report, read it carefully. If you find mistakes in your report, you should try to correct that information immediately.
• First, tell the consumer reporting company, in writing, what information you think is inaccurate. Include copies (NOT originals) of documents with your letter to prove your point. In addition to providing your complete name and address, your letter should clearly identify each item you dispute in your report. Include a statement of the facts, an explanation of why you dispute the information, and your request that it be removed or corrected. You may want to enclose a copy of your report with a circle around the items in question.
• Next, tell the creditor or other information provider, in writing, that you dispute an item. Be sure to include copies (NOT originals) of documents that support your position. Many providers specify an address for disputes. If the provider reports the item to a consumer reporting company, it must include a notice of your dispute. And if you are correct — that is, if the information in the report is found to be inaccurate — the information provider is not allowed to report it again. For more information about correcting mistakes in your credit report, visit www.ftc.gov/credit and look for How to Dispute Credit Report Errors.
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