credit bureau. The Fair Credit Reporting Act requires credit bureaus to resolve a consumer’s dispute within 30 days. . 3. If you’ve been denied insurance, appeal.
If that too is unsatisfactory, ask the insurer to put the reason in writing. If you think you’ve been denied unjustly, complain to the state insurance department (the White Pages will list local offices). . 4. Improve your credit report.
Some credit unions and banks offer free or low-cost credit counseling. The government issues two free brochures: Build A Better Credit Record and Solving Credit Problems. To order, write: Consumer Response Center, Federal Trade Commission, 600 Pennsylvania Ave. NW, Washington, DC 20580; or call 202-326-3128; or visit the FTC’s Web site at www.ftc.gov.