61.   How much can a California landlord charge a prospective renter for a credit report and other background checks?

62.   I have sent letters to Equifax and Experian, the other service that reported on me, with documentation, pleading for copies of my credit report.

63.   However, the federal Fair Credit Reporting Act requires that anyone wanting access to your credit report must obtain written permission from you.

64.   Identity theft victims can spend years clearing criminal records and bad credit reports wrongfully established in their names and enshrined in databases across the nation.

65.   Identity fraud has long occurred through the stealing of mail, purses and wallets or copies of credit reports.

66.   If information on a credit report is inaccurate, of course, the time limits do not apply.

67.   Ideally, an apartment hunter would get their own credit report and take it to each apartment.

68.   If your credit report is correct, you can take steps to keep it that way and to help improve your credit rating.

69.   If you have been denied credit, employment or insurance recently, you are entitled to a free credit report.

70.   If you cancel the service before you are charged for it, then yes, you have managed to get a free credit report.