Does The Credit Bureau Have To Contact You?

[questions]

I have a question. Before placing a negative item on your file, doesn't the law require the credit bureau's to inform you personally that a negative item is about to be placed on your file, before they can legally enter it? If so what is the code # on that? I have a copy of the rules. But I can't seem to locate such info unless it's not so.

[sweeps]

I'm not aware of any such rule. In fact you often hear of people who are not aware of any black marks on their credit until they apply for credit and are denied.