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any error) The CRA must give a written report credit 3 Buffalo of the investigation, and a copy of your report if credit 3 Buffalo the results of the investigation of any change . If the CRA investigation does not resolve the dispute, you can add a credit 3 Buffalo brief statement to your file. The CRA must normally include a summary of your statement in future reports. If an item is deleted or a dispute statement is filed, you can ask someone who has recently received your report be notified of the change. · The inaccurate information must be corrected or deleted. A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after your dispute. However, the CRA is not required to remove accurate data from your file unless it is outdated (as described below) credit 3 Buffalo or not be verified. If they result in a change in its report, the credit 3 Buffalo CRA can not reinsert into your file a disputed item unless the information source verifies its accuracy and completeness. 3 credit In addition, the CRA must give you written notice telling you it has reinstated the position. The notice must include the name, address and telephone number of the source. • You can dispute credit 3 Buffalo inaccurate items with the source of the information if you tell someone -. As a creditor who relies on a CRA - that you dispute an item, you can communicate information to a CRA without include a notice of their conflict. Also, once you've notified the source of error in writing, can not continue to provide credit 3 Buffalo the information if it is in fact an error. • The information that has been credit 3 Buffalo overcome, it can be reported in most cases, a rating agency can not communicate negative information that is more than seven years. Ten years for bankruptcies. get credit report free online • Access to your file is limited to the CRA may provide information about you Only people with a need recognized by the FCRA -.credit 3 Buffalo General to consider an application of a creditor, insurer, employer, landlord or other business. • credit 3 Buffalo Your consent is required for reports that are provided to employers, or reports that containmedical information. A CRA may not give information about you to your employer or potential employer, without your written consent.

A report from the CRA can not medical information about you to creditors, insurers or employers without your permission. • You can choose to exclude your name from CRA lists of creditors and provides credit insurance requested. and insurers may use file information as the basis for sending you unsolicited offers of credit or insurance. These offers must include a toll-free number to call if you want your name and address removed from future lists. real free credit reports If you call, which should be kept out of the credit 3 Buffalo list for two years. If necessary, complete and return the CRA form for this purpose should be removed from the lists indefinitely. • It is possible credit 3 Buffalo to claim damages from violators. If a CRA, a user or (in some cases) a credit 3 Buffalo provider of CRA data, violates the FCRA, you may sue the state or the federal government.