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You can request and review your free report through one of the following ways: Online: Visit AnnualCreditReport.com. Phone: Call (877) 322-8228. Mail: Download and complete the Annual Credit Report Request form.

Your letter should clearly identify each item in your report you dispute, state the facts, explain why you dispute the information, and request that it be removed or corrected. You may want to enclose a copy of your credit report with the items in question circled.

Credit reporting agencies are regulated by federal and provincial laws, and work for their members ? not for consumers. Those members include banks, finance companies, credit card companies, auto leasing companies, credit card companies and retailers, as well as member collection agencies like MetCredit.

§§ 1681 to 1681x). In the employment context, the FCRA limits an employer's use of employee and applicant information provided by consumer reporting agencies. It creates specific notice, disclosure, and consent requirements, both related to obtaining information and taking adverse action because of that information.

All users must have a permissible purpose under the FCRA to obtain a consumer report. Section 604 contains a list of the permissible purposes under the law. These are: As ordered by a court or a federal grand jury subpoena.

A 609 letter is a credit repair method that requests credit bureaus to remove erroneous negative entries from your credit report. It's named after section 609 of the Fair Credit Reporting Act (FCRA), a federal law that protects consumers from unfair credit and collection practices.