Under the Fair Credit Reporting Act (FCRA), both the credit-reporting agency and the organization that provided the information to the agency, such as a bank or credit card company, have responsibilities for correcting inaccurate or incomplete information in your report. To protect all your rights under the law, you should contact both the bureau and the information provider.

Under the Fair Credit Reporting Act (FCRA), you have the right to:

• Receive a copy of your credit report. The copy of your report must contain all of the information in your file at the time of your request.

• Know the name of anyone who received your credit report in the last year for most purposes or in the last two years for employment purposes.

• Obtain the name and address of the credit reporting agency used by any company that denies your application when the denial was based on information given by the agency.

• Receive a free copy of your credit report when your application is denied because of information supplied by the credit-reporting agency. Your request must be made within 60 days of receiving your denial notice.

• Dispute the completeness or accuracy of information on your report and request a reinvestigation. You must file with the credit-reporting agency and the company that furnished the information.

• Add an explanation to your credit report if your dispute is not resolved to your satisfaction.