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There are certain times when you are entitled to under Federal law. State or local child support enforcement agency. How do you get your credit historyand credit scores. The law does not allow CRAs to compile and sell information from credit reports for the purpose of direct marketing.What is in my credit report. Any government agency limited usually to your name, address, former addresses, current and former employers. Some companies sell a merged version of all three reports. What about freezing my credit reports. Additional information on credit repair services is provided in the next section. Free credit reports requested online are viewable immediately upon authentication of identity. There is no denying that errors can and do appear in credit reports.You now have a right to a free copy of your report. To take full advantage of your rights under this law, contact the consumer reporting company or information provider wonrsquot correct the information I dispute. You may order one, two, or all three reports at the same time. Can you get a free credit score. Companies with which you have a credit account for account monitoring purposes. The FCRA amendments require that if an adverse action is taken based on affiliateshared information, you are to be notified. This information was sold to many information brokers who in turn sold it for a variety of investigative purposes. Appealed the FTCs decision, but the agencys decision was upheld by a federal appeals court. In the past, consumers in most states were required to pay a fee to obtain copies of their credit reports. The other more serious cause of error is fraud.Information in your report should automatically be deleted. However, in reality that information is flowing in and out of your credit report for seven years. What can I do if there are errors in my report. Equifax states it does not sell lists used for direct or target marketing. Stay protected with our stateoftheart credit monitoring tools. Inaccurate information like that could affect your ability to get credit, insurance, or even a job. Do not contact the three nationwide consumer reporting companies individually. You will receive automatic notifications of changes to your credit report.Employers and potential employers but only with your consent. For your protection, we must verify your.