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You have a file out there on you. Even if you never have been arrested, or have been pulled over for a speeding ticket, and even if you never even got a detention in high school, there's a file out there on you. It contains almost everything out there on you-whether you've ever applied for a credit card, and how many times; how many personal loans you've taken out in your name; how well you pay off these debts; where you work and where you live, and how many times you've moved; and yes, if you've ever been arrested or sued, it will be in there too.

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This is your credit file. It's put together and kept by consumer reporting agencies, otherwise known as credit bureaus. These agencies make money by selling off your file to credit card companies, employers, possible business partners, and insurers-anybody who wants to know how you live and how you spend.

In the unlikely event unauthorized use of your credit card occurs, follow the reporting procedures defined by your credit card provider and contact us at sales@razorgator.com immediately. Most credit card companies cover all charges that result from unauthorized use of your credit card or may limit your liability to $50. the maximum liability allowed under the Fair Credit Billing Act. For additional information on the Fair Credit Billing Act, contact the Bureau of Consumer Protection or visit the Federal Trade Commission web site at www.ftc.gov.

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Scary, right? Exactly. That's why the government passed the Fair Credit Reporting Act, which was set up to prevent any abuse of this credit file system. Run by the Federal Trade Commission, the Fair Credit Reporting Act makes sure that the credit bureaus respect your privacy, and that any company or person accessing your credit files does so too.

Under The Fair Credit Reporting Act (FCRA), consumers have a right to a free credit report on themselves in certain circumstances.

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One way to find out more about your rights under the Fair Credit Reporting Act is to contact the various credit agencies that have a file on you. There are three main ones: Equifax, Experian, and Trans Union. All three can be found in your local yellow pages under "credit" or "credit rating and reporting," or find all three online as well. Simply do a search at a search engine for their names.

In the event of any unauthorized use of your credit card, you must notify your credit card provider in accordance with its reporting rules and procedures. The Fair Credit Billing Act states that your credit card provider cannot make you pay in excess of $50.00 of fraudulent charges. Although we never intend to have an incident of credit card fraud, if unauthorized charges are made to your credit card as a result of doing business with SKECHERS, you will pay nothing.

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The law allows you to contact the agencies and demand that they permit you to know what is in your report. They can tell you everything that's there, and where they got the information from. There may be a charge to get a paper copy of the report, but in many cases, especially if you're having an issue with your credit, the report can be attained for free.

You are entitled to a free online credit report When you want to do a credit check, in the world of online credit reports, you have many options available to you. Under The Fair and Accurate Credit Transactions Act (FACT Act), the three major credit bureaus (Equifax, Experian, and TransUnion) are required to provide all U.S. citizens with an annual free credit report upon request. The federal government established an official website, AnnualCreditReport.com, to provide consumers with a safe, secure site through which they can order their free online credit reports.

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If you have any problems with the information in your report, be sure to notify the credit agency immediately. Under the Fair Credit Reporting Act, they have responsibilities to make sure that these errors are fixed, along with the help of the company or agency that provided the faulty information.

In addition, if you are a resident of Colorado, Maine, Maryland, Massachusetts, New Jersey, or Vermont, you may receive one free copy of your credit report each year from the credit bureaus. If you are a resident of Georgia, you may receive two free copies of your credit report each year from the credit bureaus. Otherwise, a consumer reporting agency may impose a reasonable charge for providing you with a copy of your credit report. The Fair Credit Reporting Act provides that you may dispute inaccurate or incomplete information in your credit report.

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