FREE Credit Report
Don’t believe the so called free credit report ads on TV. The want your credit card number before sending you their “free report.” Then you discover that you have signed up for monthly reports that will cost you a lot of $$$$$$.
Did you know that you can get your credit report for free. Under the new Fair Credit Reporting Act, each of the nationwide consumer reporting companies is required
to provide you with a free copy of your credit report, at your request, once every 12 months.
The three nationwide consumer reporting companies — Equifax, Experian, and
Trans Union have set up a cooperative reporting center to manage credit report
requests nation wide. You can obtain your annual free credit report from a central location, by going to their website, calling the toll free number or writing direct.
Website: www.annualcreditreport.com
Telephone: 877-322-8228
Address: PO Box 105281, Atlanta, Georgia 30348
You may order your reports from each of the three nationwide consumer
reporting companies at the same time, or you can order from only one or two.
If you are asked if you want a copy of your CREDIT SCORE (FICO), you
should understand that this particular information is not free. There is a charge of $9 to $15 for each request.
To obtain a credit report you need to provide your name, address, Social Security number and date of birth. If you have moved in the last two years, you may have to provide your previous address. To maintain the security of your file, the consumer reporting company may ask you the amount of your monthly mortgage payment or for different private information
www.annualcreditreport.com is the only authorized source for your free credit report.
The nationwide consumer reporting companies will not send you an email or a letter asking for your personal information. If you get an email or see a pop-up ad on your computer claiming it’s from any of the three nationwide consumer reporting companies, do not reply or click on any link in the message — it’s probably a scam.
Did you know that you can get your credit report for free. Under the new Fair Credit Reporting Act, each of the nationwide consumer reporting companies is required
to provide you with a free copy of your credit report, at your request, once every 12 months.
The three nationwide consumer reporting companies — Equifax, Experian, and
Trans Union have set up a cooperative reporting center to manage credit report
requests nation wide. You can obtain your annual free credit report from a central location, by going to their website, calling the toll free number or writing direct.
Website: www.annualcreditreport.com
Telephone: 877-322-8228
Address: PO Box 105281, Atlanta, Georgia 30348
You may order your reports from each of the three nationwide consumer
reporting companies at the same time, or you can order from only one or two.
If you are asked if you want a copy of your CREDIT SCORE (FICO), you
should understand that this particular information is not free. There is a charge of $9 to $15 for each request.
To obtain a credit report you need to provide your name, address, Social Security number and date of birth. If you have moved in the last two years, you may have to provide your previous address. To maintain the security of your file, the consumer reporting company may ask you the amount of your monthly mortgage payment or for different private information
www.annualcreditreport.com is the only authorized source for your free credit report.
The nationwide consumer reporting companies will not send you an email or a letter asking for your personal information. If you get an email or see a pop-up ad on your computer claiming it’s from any of the three nationwide consumer reporting companies, do not reply or click on any link in the message — it’s probably a scam.
posted by Bob and Penny Hall | 8:55 PM
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