Who Owns Information In YOur Credit Report. Short answer is – it is not you. It is stored by CRAs (Credit Reporting Agencies) – Experian, TransUnion, and Equifax. It is owned by companies which submitted this info (for example, mortgage companies, credit card companies, collection agencies, etc.). They can change the information they reported. You have the right to see your reports, and to request removal of errors. Your rights are given by FCRA (Fair Credit Reporting Act) and other laws and ammendments – see www.101creditrepair.com Same laws prevents CRAs (Credit Reporting Agencies) from providing information about you to anybody without your permission. For more information visit www.101CreditRepair.com

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Filed under: Improve Your Credit Score

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