 Personal Finance -- Free Credit Report |
Your Free Credit ReportHere's the authorized way to get it The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. The Federal Trade Commission (FTC), the nation's consumer protection agency, has prepared a brochure, Your Access to Free Credit Reports, explaining your rights under the FCRA and how to order a free annual credit report. A credit report includes information on where you live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy. Nationwide consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home. How to order your free report. You can order your free annual credit report online at annualcreditreport.com, by calling 1-877-322-8228, or by completing the Annual Credit Report Request Form and mailing it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. Here is the information you must provide when you order: your name, address, Social Security number, and date of birth. To verify your identity, you may need to provide some information that only you would know, like the amount of your monthly mortgage payment. A Warning About "Imposter" Sites The FTC advises consumers who order their free annual credit reports online to be sure to correctly spell annualcreditreport.com, or link to it from the FTC's website to avoid being misdirected to other websites that offer supposedly free reports,but only with the purchase of other products. NOTE: While you may be offered additional products or services while on the authorized website, you are NOT required to make a purchase to receive your free annual credit reports. Some financial counselors advise that you space out your requests for your free report once every four months rather than odering all three at the same time. (for example, order from one company on January, another company in April and a third comapany in September) That way you may be able to spot inaccuracies in your credit report during the course of the year, rather than playing catch-up once a year.
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