You may know that your credit record affects your ability to get an affordable loan, a job, an apartment, or many other essentials of daily life. But, do you know where and how to actually request your credit report and what you can do once you order your consumer report?
Over the past few years, the Consumer Financial Protection Bureau
(CFPB) has updated and published a list of consumer reporting companies. The CFPB now presents you with the 2019 edition of the list
, which can be filtered and searched online. This year’s list includes the following features:
- Information to request a report. This includes the latest company name and contact information from the three nationwide consumer reporting companies (Equifax, TransUnion and Experian) and dozens of specialty reporting companies. The CFPB sorts the companies by market area, such as employment, tenant, bank, subprime, insurance or medical.
- New tips on which specialty reports might be important for you to fact-check depending on your specific situation. With the exception of employment screening reports, you can be rejected without warning based on the information in your consumer report. When you know a consumer report is going to be used in a decision about you, check your consumer reporting information ahead of time.
- Useful identity verification information about how consumer reporting companies try to make sure you are who you say you are — before they give you your reports. It also includes the types of questions they might ask to verify your identity.
- Free reports guide. Most of the companies on this list will provide your information to you for free once every 12 months if you request it. This list tells you the ones that do.
- Companies that will provide free scores along with free reports. Not many do, but there are a few. This list identifies the ones that do.
- New security freeze information about how some of the companies on this list will limit third-party access to your data if you request it through a security freeze.
Did you know?
Your rights with your consumer reports
Finally, when it comes to your own consumer reports, you have the legal right to:
- Obtain the information in your consumer reports. All consumer reporting companies are required to provide you a copy of the information in your report if you request it.
- Dispute suspected inaccuracies with the consumer reporting companies and those, such as your lenders, who gave them the information. Your dispute will be investigated at no charge to you. Learn more about how to file a dispute and download sample dispute letters.
This user-friendly list of companies
makes it easier for you to make the first move.