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Accessing Your Free Credit Report |
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 do I order my 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.
When you order, you need to provide 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. While consumers may be offered additional products or
services while on the authorized website, they are not required
to make a purchase to receive their free annual credit reports.
(Source: Federal Trade Commission) |
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