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Discussion in 'Credit Talk' started by HAZ, Sep 26, 2003.
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Â§ 612. Charges for certain disclosures [15 U.S.C. Â§ 1681j]
(c) Free disclosure under certain other circumstances. Upon the request of the consumer, a consumer reporting agency shall make all disclosures pursuant to section 609 [Â§ 1681g] once during any 12-month period without charge to that consumer if the consumer certifies in writing that the consumer
(1) is unemployed and intends to apply for employment in the 60-day period beginning on the date on which the certification is made;
(2) is a recipient of public welfare assistance; or
(3) has reason to believe that the file on the consumer at the agency contains inaccurate information due to fraud.
If you tell them you're unemployed to get your free credit report, that can be entered in the employment information section of your file. I doubt if that would help when you apply for credit.
Thanks Jlynn I found it last night but I do appreciate you help.
Im not trying to get credit I have plenty Im just cheap and well while I can get a report for free I thought I should seeing how I havent looked at it for two years now. So they can go ahead and enter it in my file Ill have a job soon.