Credit Report Errors & Identity Theft   •   Michigan

Credit reports track where you live and work,  whether you pay your bills on time, and whether you have been sued or filed for bankruptcy.   Credit reports are bought by creditors,  employers,  insurers,  and other businesses.  Therefore,  maintaining a good credit rating is essential for buying a house or car,   obtaining a credit card, and getting a job.  If your credit report is inaccurate, you may be denied credit or you may have to pay a substantially higher interest rate.

Periodic review of your credit report is a helpful way to catch credit report errors and find instances of identity theft.

You are entitled to obtain a free credit report from each of the three main credit reporting agencies once a year.  You also may be entitled to a free credit report under other circumstances.

IF YOUR CREDIT REPORT CONTAINS ERRORS OR YOU ARE A VICTIM OF IDENTITY THEFT,  WE CAN HELP!

Credit bureaus are required to correct errors on a  credit report if they are properly reported and disputed by the consumer.  Call us today if you are a victim of identity theft or need assistance with an inaccurate credit report.

MICHIGAN ATTORNEY GENERAL  -  CONSUMER ALERT
Beginning March 1, 2005, Michigan consumers can order a free credit report from each of the three major credit reporting agencies every year. Consumers can order their free annual credit reports by mail, by telephone, or online.

** Make sure however that you obtain your credit report by mail,  because these credit reporting agencies may require you to waive certain rights to obtain your credit report online.