For decades, the information collected by credit reporting - TopicsExpress

For decades, the information collected by credit reporting agencies was hidden from consumers. Individuals had no idea why they were denied credit or whether or not their reports contained mistakes. Beginning with the Fair Credit Reporting Act in 1971 and continuing with recent legislation, U.S. citizens have free access to their credit reports and credit scores from each of the three national credit reporting agencies: Experian, TransUnion and Equifax. Citizens also have the right to know exactly why their credit was denied.

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