Home   Home

Credit   Credit

Rights   Your Rights

Privacy   Privacy

Typing   Typing Services

Contact   Contact
Mission

To provide affordable financial counseling and education to anyone who desires to improve their financial needs and goals.


 What’s not in your credit score?

  • Your race, color, religion, national origin, sex, or marital status
  • Your age
  • Your salary, occupation, title, employer, employment history
  • Where you live
  • Any items related to child/family support obligations
  • Rental agreement information

 

Gwendolyn M. Hawkins, CCUFC, Manager

Certified Credit Union Financial Counselor

(312) 499-8813 days (phone/fax)

(773) 626-0623 evenings (phone/fax)

www.gwenshelpinghands.com

Your Rights Under the Fair Credit Reporting Act

You are entitled by The Fair Credit Reporting Act (FCRA)  to receive from each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion —a free copy of your credit report, at your request, once every 12 months.

You can order your free annual credit report online at www.annualcreditreport.com, by calling 1-877-322-8228, or by completing the Annual Credit Report Request Form and mailing it to: Annual Credit Report Request Service,P.O. Box 105281, Atlanta, GA 30348-5281.

When you order, you need to provide your name, address, Social Security number, and date of birth. To verify your identity, you may need to provide some information that only you would know, like the amount of your monthly mortgage payment.

Your rights include the following: (you can also go to ftc.gov for more information—this is the website to the Federal Trade Commission.)
    • You must be told if information in your credit file has been used against you.
    • You have the right to know what’s in your credit file.
    • You have the right to ask for a credit score. (You may have to pay for it.)
    • You have the right to dispute incomplete or inaccurate information.
    • Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information
    • Consumer reporting agencies may not report outdated negative information
    • Access to your file is limited
    • Your must give your consent for reports to be provided to employers
    • You may limit “prescreened” offers of credit and insurance you get based on information in your credit report
    • You may seek damages from violators
    • Identity theft victims and active duty military personnel have additional rights, visit ftc.gov

    Gwen's Helping Hands, LLC © 2009