Thanks to the Fair Credit Reporting Act, you can now get a free annual credit disclosure from the major credit reporting agencies, Experian, TransUnion, and Equifax. Several are several things to know about this program.
How Do You Get a Free Credit Report?
You can request a free credit report every twelve months from each of the major credit reporting agencies, or you can go to AnnualCreditReport.com to request one from all three agencies at the same time. In order to get your Credit Score you must purchase it from the reporting agencies, it does not come free with your annual credit report. If do not want to request your report online you can call 1-877-322-8228 or you can download a form at www.annualcredit.com/cra/requestformfinal.pdf and mail it to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
P.O. Box 105281
Atlanta, GA 30348-5281
How Do I Dispute an Item on my Credit Report?
You need to contact the individual Consumer Credit Reporting Agency to dispute or correct information on your report.
- Experian
- Transunion
- Equifax
How Can I Request My Name be Removed From The Credit Reporting Agency Lists for Unsolicited Offers for Credit and Insurance?
You can request that consumer credit reporting companies remove your name from lists for pre-approved, unsolicited credit and insurance offers. You can call 1–888–5OPTOUT (1–888–567–8688) or go to OptOutPrescreen.com.
You can also visit the Federal Trade Commission Web Site to learn more about the Fair Credit Reporting Act and the FACT Act.
- FTC Home Page - www.ftc.gov
- Information About Credit Reports and Your Rights - www.ftc.gov/credit
- Credit Repair Information - http://www.ftc.gov/bcp/conline/pubs/credit/repair.htm
- Identity Theft Information - http://www.consumer.gov/idtheft/
- Guard Yourself from Phishing and Internet Fraud - www.OnGuardOnline.gov
