By Richard H. Goldwater, Frank Doyle, Joe Edwards, Sy Reit, Samm Schwartz

Archie Comics #140 - September 1963

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A creditor takes an adverse action against you. Beginning July 21, 2011, if a creditor that used your credit score in making a decision resulting in an adverse action against you, it must reveal your credit score and tell you about your right to get a copy of your credit report. An adverse action is when a creditor: • refuses to raise your credit limit • refuses to grant credit substantially as you requested • terminates your account • makes an unfavorable change in the terms of your account (but does not change the terms of all, or substantially all, of other consumer accounts of the same type), or • takes any action or makes any determination in connection with an application or transaction you initiate that is adverse to your interests.

Be careful. Many websites hide the charge for ordering one credit report and advertise a low cost or a free copy with a 30-day or longer trial membership for one of their services, such as credit monitoring. If you don’t want the service, be sure to cancel it within the 30 days to avoid a monthly fee. You should receive your credit report in a week to ten days. To order additional credit reports after you’ve gotten your free annual report from the Annual Credit Report Service, you must contact the credit reporting agency directly.

In particular, look for the following: Personal Information Section • incorrect or incomplete name, address, or phone number • lack of prior address if you have not lived long at your current address • incorrect Social Security number or birth date • incorrect, missing, or outdated employment information • incorrect marital status—such as a former spouse listed as your current spouse Public Records Section • lawsuits you were not involved in • a bankruptcy filed by a spouse or ex spouse, even though you did not file bankruptcy • bankruptcies that you filed more than ten years ago or that are not identified by the specific chapter of the bankruptcy code • lawsuits or judgments reported more than seven years after judgment was entered, or after the expiration of the statute of limitations • tax liens you paid more than seven years ago, or criminal arrest records more than seven years old • paid tax, judgment, mechanic’s, or other liens listed as unpaid 46 | credit repair Credit Accounts Section • commingled accounts—credit histories for someone with a similar or the same name • account listed as joint, when only your spouse is responsible for the account or vice versa (for a discussion of when you are and are not responsible for a spouse’s account, get Solve Your Money Troubles: Debt, Credit & Bankruptcy, by Robin Leonard and Margaret Reiter (Nolo)) • premarital debts of your current spouse ­attributed to you • an account due to an identity thief’s actions (see Chapter 13 for more on identity theft) • accounts on which you are an authorized user are not included in the report (this may happen with accounts in one spouse’s name that the other spouse is authorized to use) • incorrect account histories—such as a late payment notation when you’ve paid on time • failure to list a zero balance for a debt that was discharged in bankruptcy or showing a discharged debt as still owing • failure to show that a delinquent debt has been discharged in bankruptcy • a voluntary surrender of your vehicle incorrectly listed as a repossession • a missing notation when you disputed a charge on a credit card bill • accounts that incorrectly list you as a cosigner • closed accounts incorrectly listed as open (it may look as if you have too much open credit) • accounts you closed that don’t indicate “closed by consumer” (otherwise it looks like your creditors closed the accounts) • an account delinquency that occurred more than seven years ago or that does not include the date of the delinquency • incorrect date of delinquency on an account that was charged off or sent to collection or the date of delinquency is listed correctly in one account or tradeline, but incorrectly in a second tradeline Chapter 3 | the first step—cleaning up your credit report | 47 after it was turned over to a collection agency (the transfer of a debt should not result in a new, later delinquency date) • a creditor’s tradeline does not show that the account was turned over to a collection agency, so the collection agency account line looks like another overdue account • overdue child support that is more than seven years old • other adverse information that is more than seven years old, and Inquiries Section • credit inquiries by automobile dealers from times you simply test drove a car or from other businesses when you were only comparison shopping (creditors cannot lawfully pull your credit report without your written permission until you indicate a desire to get credit).

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Archie Comics 140 (September 1963) by Richard H. Goldwater, Frank Doyle, Joe Edwards, Sy Reit, Samm Schwartz

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