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Because your credit rating is so important, under Vermont law you can request a free copy of your credit report once a year. (To see if there’s a file on you at a credit bureau, call some in your area. Their numbers can be found in the Yellow Pages under “Credit Reporting Agencies.”) If you dispute any of the information, the credit bureau must re-investigate and correct the mistake if it finds an error. The credit bureau must give you a written report of the investigation and a copy of your report if the investigation results in any change. If the bureau decides that there is no error but you still dispute the information, you may file a brief statement setting forth your side of the story and the credit bureau must put this information in your file. You also are entitled to be given the names of persons or companies who recently received your credit report.


Credit reports in your own name. If you are married, you may choose a joint or individual account. If you choose a joint account, federal law requires that it be reported in both your and your spouse’s name. If you get divorced, or if you want to apply for credit under your own name, and your joint credit rating is not very good, federal law requires creditors to consider any information you offer that shows that the unfavorable information in your joint account does not accurately reflect your ability to pay. Even if you’re not applying for credit at the moment, you can still send a letter to those credit bureaus with reports on you explaining these facts and have that letter placed in your file.


On Your Own, 2008 Edition


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