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FREE Credit Report
Get your FREE credit report…
A periodic review of your credit report is very important. Identity theft in the U.S. is very rampant, plus consumer credit reporting agencies notoriously report inaccurate information on consumer credit reports. Because of this, each year, millions of consumers are denied car and home loans, and are issued credit lines with excessive interest rates.
Due to the above, you should frequently review your credit report to ensure that the information being reported on you is 100% accurate, complete, and up-to-date. This is especially a must prior to applying for credit, insurance, employment, or an apartment lease.
GOOD NEWS…
Under federal law, you can now request a free copy of your credit report:
- Any time a company denies your application for credit, insurance, or employment (you must ask for your credit report within 60 days of receiving the notification).
- Once a year if you’re unemployed and plan to look for a job within 60 days.
- Once a year if you’re on welfare.
- Once a year if your report is inaccurate because of fraud, including identity theft.
MORE GOOD NEWS…
A change in the Fair Credit Reporting Act (FCRA) also requires all consumer credit reporting agencies to annually provide you with a free copy of your credit report. The three major consumer reporting agencies, Equifax, Experian, and Trans Union have a toll-free telephone number, mailing address, and consumer website where you can order your free annual credit report.
To order your free annual credit report, you can call 877-322-8228, complete an Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281, or visit www.annualcreditreport.com, the only authorized online source where you can order a free, immediate annual credit report. |
How to get your FREE annual credit report…
To receive your free annual credit report, you must provide the following information to the consumer credit reporting agency:
- Your name, address, social security number, and date of birth.
- Your previous mailing address if you moved in the past two years.
- For security reasons, you may be asked for personal information, like name of your car loan company and the amount of your monthly car loan payment.
If you request your free credit report at www.annualcreditreport.com, you should be able to immediately access your credit report online. You can also order your report by calling toll-free, 877-322-8228, or download the Annual Credit Report Request form at www.annualcreditreport.com/cra/requestformfinal.pdf. Your credit report will be processed and mailed to you within 15 days.
NOTE: In any case the credit reporting agency needs to verify your identity it can take you longer to get your report. You can also buy a copy of your credit report by contacting:
REQUEST YOUR FREE ANNUAL CREDIT REPORT ONLINE:
www.annualcreditreport.com |
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