Now you want to buy a car, and you'll need a loan. Before you apply, you write the credit bureau for a copy of your credit report to make certain it's accurate. It's frustrating to be denied loans, credit, or employment based on inaccurate information in credit records. That's why as Attorney General, I'm working to protect your credit records and ensure your privacy. Even though we don't have state credit reporting laws in Ohio, my office can address possible violations of the federal Fair Credit Reporting Act by enforcing the Ohio Consumer Sales Practices Act.
Many people have a difficult time trying to fix errors found on their credit reports.
But because of new amendments to the Fair Credit Reporting Act, it will be easier for consumers to correct these mistakes. The new law was designed to better ensure the accuracy and privacy of the information contained in consumer or credit reports. The Fair Credit Reporting Act requires credit bureaus to furnish correct and complete information for businesses to use in evaluating applications for credit, insurance, or a job. You have a right to know what your report says and who may have requested a copy during the last six months. If you believe that some of the information on the report is inaccurate or incomplete, notify the reporting agency.