What is my consumer rights regarding credit reports and credit scores?
In Washington, consumers have the right to know what is in their credit report and what their credit score is. Under the Fair Credit Reporting Act (FCRA), consumers have the right to view their credit report once every 12 months for free. This report can be accessed online, or consumers can request a copy by mail. Consumers also have the right to dispute any inaccuracies with their credit report. If there are errors, the consumer can file a dispute with the credit bureau in order to have the mistake removed. The credit bureau must then investigate the dispute and remove the inaccurate information if it is found to be incorrect. Consumers also have the right to question any information that is outdated, incomplete, or incorrect on their credit report. This can be done through the credit repair law, which allows consumers to dispute items on their credit report and have them removed if they can prove the dispute is valid. Finally, consumers have the right to access their credit score from the three major credit bureaus: Experian, TransUnion, and Equifax. This information can be accessed for free and is necessary for a consumer to properly monitor their credit health. Overall, consumers in Washington have the right to free credit reports, dispute any inaccuracies, and access their credit score. These rights allow consumers to take control of their credit health and ensure that any inaccuracies are corrected quickly.
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