Id theft protection North Carolina

They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider receives notice of a dispute from the consumer reporting company, it must investigate, review the relevant information, and report the results back to the consumer reporting company. If the information provider finds the disputed information is inaccurate, it must notify all three nationwide consumer reporting companies so they can correct the information in id theft protection North Carolina your file. When the investigation is complete, the consumer reporting company must give you the written results and a free copy of your report if the dispute results in a change. (This free report does not count as your annual free report under the FACT Act.) If an item is changed or deleted, the consumer reporting id theft protection North Carolina company cannot put the disputed information back in your file unless the information provider verifies that it id theft protection North Carolina is accurate and complete. free credit report once a year The consumer reporting company also must send you written notice that includes the name, address, and phone number of the information provider.

Tell the creditor or other information provider in writing that you dispute an item. Many providers specify an address for disputes.

If the provider id theft protection North Carolina 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 is found to be inaccurate - the information provider may not report it again. how to get your credit report What can I do if the consumer reporting company or information provider won't correct the information I dispute? A: If an investigation doesn't resolve your dispute with the consumer id theft protection North Carolina reporting company, you can ask that a statement of id theft protection North Carolina the dispute be included in your file and in future reports.

You also can ask the consumer id theft protection North Carolina reporting company to provide your statement to anyone who received a copy of your report in the recent past. If you tell the information provider that you dispute an item, a notice of your dispute must be included any time the information provider reports the item to a consumer reporting company.

How long can a consumer reporting company report negative information? A: A consumer reporting company can report most accurate negative information for seven years and bankruptcy information for 10 years. check credit score free There is no time limit on reporting information about criminal convictions; information reported in response to your application for a job that pays more than $75,000 a year; and information reported because you've applied for more than $150,000 worth of credit or life insurance.