Consumer Credit File Rights Under State and Federal Law
You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, you do not have the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.
You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.
Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.
You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.
If the credit bureau’s reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.
The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact:
The Public Reference Branch
Federal Trade Commission
Washington, D.C. 20580
1. Import your Credit Reports and Scores
Automatically link and import your credit reports and scores from all 3 credit bureaus through our credit report partner Score Connection.
2. Review your Credit Reports and Scores
Review your current credit reports from all 3 credit bureaus to identify potentially inaccurate, erroneous, false, or obsolete information which is adversely impacting your credit scores.
3. Generate Credit Bureau Dispute Letters
Generate dispute letters for the contesting of potentially inaccurate, erroneous, false, or obsolete information for any accounts on your credit reports.
4. Monitor your Results
Own the Key will automatically import your updated credit reports and scores from your linked credit monitoring account every 30 days to track your disputes and credit repair status.
5. Credit Education
Own the Key will provide Educational videos that walk you through the steps of reaching and keeping an excellent credit score.
Effective upon linking and importing your credit reports to your Own the Key account, you authorize Own the Key to store your credit report and score details as well as your credit report account credentials with Score Connection. You authorize Own the Key to access your credit report account with Score Connection every 30 days for the purpose of importing your updated credit reports and scores. You have the ability to log into your account with Score Connection at any time and disconnect your credit report so that your credit report updates are no longer imported into Own the Key.
Own the Key Fees
The Own the Key service is free. The sole expense related with the Own the Key service is the subscription fees charged by our credit report partner, Score Connection.
After you set up your Own the Key account you can access your account at any time. You can use the account with all of its features for as long as you would like to whether you choose to use it for creating and tracking dispute letters, for the resources section, or just to monitor your credit across all 3 bureaus.
Own the Key Contact Information
Own the Key
28150 N Alma School Pkwy
Email: [email protected]
You may cancel this contract without penalty or obligation at any time.
While Own the Key is free software, users have the option to link an active credit monitoring subscription service through a third-party provider. To cancel your credit monitoring subscription, contact them directly using the information and instructions they provided when you enrolled. Alternatively, for your convenience you can cancel your credit report subscription by logging into your Own the Key account.
COMPANY IS NOT A CREDIT REPAIR ORGANIZATION.
Own the Key is not a credit repair organization, or similarly regulated organization under other applicable law and does not provide any form of credit repair advice or counseling. Rather Own the Key provides the Client with access to their consumer credit report(s) and other credit-related information Services.