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Parks Zeigler, PLLC - Attorneys At Law

Elizabeth City, NC 252-679-8880
Virginia Beach, VA 757-453-7744
Chesapeake, VA 757-312-0211

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Blog

How Do I Get Information About My Credit Information Held By The Credit Reporting Agencies (“CRAs”)?

March 9

You have the right to get your credit information from the three national CRAs (Equifax, TransUnion, and Experian) once every 12 months at no charge. Because it is best to obtain the cleanest report from the CRAs, as well as to document your request should future litigation be necessary, we recommend you mail in your request instead of making the request over the phone or through the internet (both of which are permissible to obtain your reports). The form to fill out and mail is here.  You also have the right to obtain your credit information when you have been denied credit by someone. When you are denied credit based on a credit check, the company denying the credit must, under the Fair Credit Reporting Act (“FCRA”) provide you with notice that the adverse action was based in part on the information contained in the report given by the CRA (whichever the company used) and the consumer has the right to request a free copy of that report from the CRA within 60 days of denial.[1]

[1] 15 U.S.C. §1681m.

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Parks Zeigler, PLLC
Virginia Beach Office

  • 4768 Euclid Road, Suite 103
    Virginia Beach, Virginia 23462-3810
  • 757-453-7744
  • 757-453-7578
Directions

Parks Zeigler, PLLC
Chesapeake Office

  • 524 Albemarle Drive, Suite 200
    Chesapeake, Virginia 23322-5500
  • 757-312-0211
  • 757-453-7578
Directions

Parks Zeigler, PLLC
Elizabeth City Office

  • 200 N. Water St., Suite 2A
    Elizabeth City, NC 27909
  • 252-679-8880
  • 252-254-1380
Directions
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