New Mexico Notification of Review of Consumer Report
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How to fill out Notification Of Review Of Consumer Report?
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FAQ
A credit file disclosure provides you with all of the information in your credit file maintained by a consumer reporting company that could be provided by the consumer reporting company in a consumer report about you to a third party, such as a lender.
When you apply for a job, your prospective employer may use a consumer report to evaluate you as a potential employee. A consumer report is a collection of documents that may include credit reports, criminal and other public records such as bankruptcy filings, and records of civil court procedures and judgments.
An Investigative Consumer Report (ICR) provides personal and professional reference verification. These verifications can delve into the realm of assessing an individual's character. Here is an in-depth look at what an ICR is: (taken from an earlier post first published in 2016)
Information excluded from consumer reports further include: Arrest records more than 7 years old. Items of adverse information, except criminal convictions older than 7 years. Negative credit data, civil judgments, paid tax liens, and/or collections accounts older than 7 years.
What is a Consumer Report? A consumer report contains information about your personal and credit characteristics, character, general reputation, and lifestyle. To be covered by the FCRA, a report must be prepared by a consumer reporting agency (CRA), a business that assembles such reports for other businesses.
A consumer disclosure is the long version of your credit report that contains all credit inquiries and suppressed information not found in your standard credit report, as well as the normal credit report records of balances, payment history, personal information, etc.
Section 607(b) of the FCRA provides that whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
The notice may be oral, written, or electronic, and must include the name, address, and telephone number of the consumer reporting agency preparing the report (including a toll free number if available), tell the consumer how to obtain a free copy of the report, and explain the right to dispute the accuracy of any
Disclosures to consumers. (a) Every consumer reporting agency shall, upon request and proper identification of any consumer, clearly and accurately disclose to the consumer: (1) The nature and substance of all information (except medical information) in its files on the consumer at the time of the request.
Section 612(a) of the FCRA gives consumers the right to a free file disclosure upon request once every 12 months from the nationwide consumer reporting agencies and nationwide specialty consumer reporting agencies.
