credit reports
Under the
Fair Credit Reporting Act (FCRA), bad items fall off your credit report after seven years, but did you know that if you contact the creditor in any way during that time
you they can use that to illegally reset the clock?
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fair credit reporting act
The Fair Credit Reporting Act doesn't just regulate the Big Three (Experian, TransUnion, and Equifax). It also regulates tenant screening agencies that report things like late rent payments, evictions, and other tenant information. Tenant-related information may show up in traditional credit reports or in tenant screening agency reports. If your rental application is denied, get a copy of any reports that were used in denying your application and, if anything is inaccurate, challenge it.
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Consumerist
reaging
