Know The Facts
Under the FCRA You have the following legal rights in relation to your credit reports:
You have the right to one free credit report from each credit bureau annually
You have the right to free copies of your credit reports if denied credit within the past 60 days
You have the right to know about all the information in your credit reports
You have the right to know the sources of the information
You have the right to remove erroneous, incomplete, obsolete, or misleading information
You have the right to remove any information that cannot be re-verified within the legal time
You have the right to add your own explanations for situations reflected on your credit reports
You have the right to know the name of anyone that has requested a copy of your credit report