FAIR CREDIT REPORTING ACT  

If you are turned down for credit because of information in your credit file, there is a federal law that protects your right to find out what information in it was used for the report and why you are being denied credit. You also have the opportunity to correct errors in your file.

Under the Fair Credit Reporting Act you have the following rights:

. To be told the name and address of the Credit Reporting Agency responsible for preparing the report that was used to deny you credit;

. To be told by that Agency the nature, substance and sources of the information (except medical) collected about you;

. To be given the credit information to which you're entitled within 30 days of your interview;

. To be told who received a consumer report on you during the past six months;

. To have incomplete or incorrect information reinvestigated, and information found to be inaccurate or which cannot be verified removed from your files;

. To put in your file a statement of up to one hundred words giving your side of the argument, if reinvestigation does not resolve your dispute, and the Agency must include your statement in any future report that it gives out;

. To request the Agency to send your version of the dispute to certain businesses;

. To have unfavorable information not reported after seven years, except a bankruptcy which may be reported for ten years.

You cannot be charged for any of these services if you write your local credit bureau within 30 days of official notice of the issuance of an unfavorable credit report about you.

  Now Mortgage Services, Inc.
1-509-783-9091
1-800-326-1303

8500 Gage Blvd. Suite C
Kennewick, WA 99336

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