How do I obtain a copy of my consumer file?

The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness and privacy of information in the files of consumer reporting agencies. Under the Fair Credit Reporting Act if you have been denied housing or employment, or have been notified of an adverse action as a result of information provided by a CRA, you are entitled to a free copy of the information that the company provided about you. To obtain a free copy from you generally must fill out a Consumer Disclosure Request From within 60 days of receiving the denial or adverse action. If you do not qualify for a free copy of your consumer file you may obtain one from one of the CRA's for a nominal fee.