Answers re: Consumer Credit Report Rights: Amy L. Wells (FCRA

BEHNKE, MARTIN & SCHULTE, LLC
Dayton, Ohio

Credit Report Quiz Answers (FCRA - Ohio Law)

Telephone: (937) 435-7500
Facsimile: (937) 435-7511
Email: AWells@LegalDayton.com

Answers:

1) False. Credit Bureaus are multi-billion dollar industries that

make money from selling your personal information.

2) D.

3) B. You can get a free copy of your credit report once a year from

each of the three major Credit Bureaus at annualcreditreport.com

4) False. Credit Bureaus must correct or delete unverifiable

information about you, and can be liable to you for money

damages if they do not.

5) C. 255,000 complaints were about identity theft.

6) All of the above!

~Dedicated to Protecting Ohio Consumers~

Consumer Protection Laws * Fair Debt Collections * Fair Credit Reporting

Attorney Wells advises her clients to protect their good name by reviewing their credit report with each of the three major credit bureaus (Experian, Equifax and Trans Union) at least once a year. Consumers are entitled to a FREE copy of their credit report once per year, and may obtain a copy online at www.annualcreditreport.com.

Review the information on your report carefully, and if you find an error, contact Attorney Wells for a FREE CONSULTATION regarding steps you may take to correct this problem. Poor credit ratings can prevent access to home loans, credit and even employment. If the credit reporting agencies fail to correct errors published on your credit report, you may be entitled to money damages.

A growing number of Ohio consumers are victimized by the use of abusive, deceptive, and unfair debt collection practices by debt collectors. Abusive debt collection practices contribute to a high number of personal bankruptcies, marital instability, job loss, and invasion of individual privacy. Federal law prohibits unfair and deceptive practices by debt collectors.