Ordering a Free Credit Report
Date: Tue, 01/27/2009 - 07:15
I just received a notice from Citi that they are decreasing my revolving credit limit down to the outstanding balance on the account based upon information they obtained from a consumer reporting agency. It goes on to say they obtained the information from Experian.
It later says that under the Fair Credit Reporting Act that I have the right o know the information obtained in my credit file at the reporting agency. And that I have a right to a FREE copy of my credit report, IF I request it within 60 days after I receive this notice.
Okay, so my question is this: I know that I am able to get a free copy of my credit report once per year, is this what the letter from Citi is referring to, or do I get one free copy per year PLUS another free copy because Citi used information in my credit report and reached a negative conclusion?
I wanted to use my free credit report after I (hopefully) settle with my creditors, just to verify that everything is shown accurately. But I wouldn't mind a copy now as well. Just trying to figure out what Citi is referring to.
It later says that under the Fair Credit Reporting Act that I have the right o know the information obtained in my credit file at the reporting agency. And that I have a right to a FREE copy of my credit report, IF I request it within 60 days after I receive this notice.
Okay, so my question is this: I know that I am able to get a free copy of my credit report once per year, is this what the letter from Citi is referring to, or do I get one free copy per year PLUS another free copy because Citi used information in my credit report and reached a negative conclusion?
I wanted to use my free credit report after I (hopefully) settle with my creditors, just to verify that everything is shown accurately. But I wouldn't mind a copy now as well. Just trying to figure out what Citi is referring to.
You have your free annual from all 3. You should recieve an add
You have your free annual from all 3. You should recieve an additional report from EX since they were who Citi based their decision on. Request it from EX in writing.
