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Citi® mtvU(TM) Platinum Select® Visa® Card for College

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Free Credit Report for consumers and students. Annual Credit Report for Instant viewing if completed online. Instant credit reports are free if you sign up for one. It's that simple. Get a FREE copy of your instant free credit report and score

Avoid surprises and check your credit before you apply for an apartment or mortgage.

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Credit reports for free by telephone.

Two of the major credit reporting agencies are:

Equifax 1-800-685-1111 : get a free report if you have been denied credit within the past 60 days for free.
TransUnion - 1-800-916-8800 : free credit report mailed to you within 6 to 8 business days for free.

It is important to stay on top of your credit report as you need to monitor your credit score to make sure that your identity is not being used by someone else, for example. It is also important to get a copy of a free credit report to know what type of financial position you will be in before you apply for a student credit card.

Citi® mtvU(TM) Platinum Select® Visa® Card for College

Click Here for Details

Understanding Your Credit REPORTS The "Fair Credit Reporting Act" controls how your credit history is kept, used and shared among lenders and creditors in the USA. It is designed to ensure accuracy as well as the privacy of the information used in the three major credit reports. The three following major Credit Reporting Agencies have credit files on millions of consumers nationwide:

Instant Credit Report – more info on a free credit report

Anyone who takes adverse action against you in response to a report supplied by a Credit Reporting Agency – such as denying your application for credit, insurance, or employment – must give you the name, address, and telephone number of the Credit Reporting Agency that provided the report.

You have a right to know what is in your credit report, including medical information and, usually, the sources of the information. Make sure your report is accurate.
Get your report for free if a company takes adverse action against you based on the report and you request your report within 60 days of receiving the notice of the action.
Request one free report a year if you can prove that you are unemployed and plan to look for a job within 60 days, if you are on welfare, or if your report is inaccurate because of fraud. Otherwise a Credit Reporting Agency may charge up to $8.50 for a copy of your report.

If you find inaccurate or incomplete information in your report:

Contact both the Credit Reporting Agency and the company that provided the information to the Credit Reporting Agency.
Tell the Credit Reporting Agency in writing what information you believe is inaccurate. The information provider must investigate and report the results to the Credit Reporting Agency. If the information is incorrect, it must notify all nationwide Credit Reporting Agencies to also correct your file. If the reinvestigation does not solve your dispute with the company, ask that your statement regarding the dispute be included in your file. A notice of your dispute claim must be included anytime the Credit Reporting Agency reports the respective item.

Credit Report Access

Other than yourself, only people with a legitimate business need can get a copy of your report. An employer or a prospective employer can only get your annual credit report if you give written consent. Student Credit Card Creditors, employers, or insurers cannot get a free annual credit report that includes medical information without your prior approval. See your annual credit report.

Duration of Negative Credit Information

A Credit Reporting Agency can report negative information for seven to ten years, and bankruptcy information for ten years. Information about a lawsuit or an unpaid judgment against you can be reported for seven years or until the statute of limitations runs out, whichever period of time is longer.