What are the legal rights of an individual with a bad credit score?

Individuals with bad credit scores have legal rights in New Hampshire. According to New Hampshire’s Credit Repair Law, individuals have the right to dispute inaccurate information in credit reports. This can be done by sending a written dispute to the credit reporting agency within 30 days of receiving a copy of the report. The credit reporting agency must remove any items found to be inaccurate or incomplete. Individuals also have the right to add a statement to their credit reports. This statement can include any information the individual finds relevant to their credit status. It can also be used to explain an individual’s financial situation if they have a low credit score. Individuals have the right to receive a free copy of their credit report once every 12 months. This report can be requested from the three nationwide consumer credit reporting companies: Equifax, Experian, and TransUnion. The New Hampshire Credit Repair Law also protects individuals from scams. It prohibits companies from charging a fee before they provide a service related to improving an individual’s credit status. Companies cannot make false promises or provide false information, as this is a violation of the law. These rights help individuals protect their credit scores from errors or manipulation. Knowing one’s rights is the first step to improving a credit score.

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What are the legal rights of an individual with a bad credit score?

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