How Does Your Credit Grade Stack Up?

Good grades are not just for students. Do you know how your credit grade stacks up? You may want to buy a car, refinance your mortgage loan, or simply need a loan to pay off existing obligations. If you haven’t looked at your credit reports lately, now is a good time.

And it goes without saying, the higher your credit score, which is a numerical calculation based on your credit reporting history, lenders will offer more favorable credit terms.

When Can I Get a Free Credit Report?

You can obtain one free credit report from Transunion, Experian, and Equifax every twelve months, or under the following circumstances:

  • You have been denied credit within the past 60 days
  • You are a victim of identity theft
  • You are on public assistance
  • You are unemployed and plan to seek employment within 60 days

To request a credit report, the bureaus ask that you provide for security purposes proof of identity, such as a current driver’s license, pay stub or utility bill. It may take 10 to 15 days to receive your reports by mail. As well, you could request reports online by visiting:, or call:  877-322-8228.

How to Dispute Credit Report Errors

Common credit reporting errors include mixed credit files, stale data, misapplied payments, reports of judgments or bankruptcies that are not yours.  After reviewing a current credit report, if you see an inaccurate listing, you must dispute it promptly in writing.  Enclose documents that will illustrate the error. Send your dispute letter to the bureaus by Certified Mail, Return Receipt so that you have proof your letter was received.  The bureaus have 30 days to respond to your dispute.  If the error has not been corrected, you may need to send a second dispute.

Seek Legal Advice

Flitter Milz is a consumer protection law firm that represents people with problems involving credit reporting privacy and accuracy issues, contact from abusive debt collectors and wrongful vehicle repossessions by banks and credit unions.  Contact Us for a free evaluation of your legal concern.