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					                                       Your Free Credit Report
      Updated 4/16/07              HOW TO REQUEST YOUR FREE CREDIT REPORT                  ADDITIONAL
    Alphabetical Index                                                                     INFORMATION
    Ask LSNV                                UNDER FEDERAL LAW1
    Blank Page
                                                                                           annualcreditrepo
    Home Page                    REQUEST YOUR CREDIT REPORT ON-LINE                        rt.com allows you
    Lawyer Referral                                                                        to request a free
    Legal Terms                                                                            credit file
    LSNV’s Disclaimer                                                                      disclosure,
    Virginia Judicial            REQUEST YOUR CREDIT REPORT BY PHONE
                                                                                           commonly called a
      System                     Call 1-877-322-8228. You will go through a simple
     Circuit Court                                                                         credit report, once
                                 verification process over the phone. Your report will
     Gen. Dist. Court                                                                      every 12 months
                                 be mailed to you.
     J & DR Court                                                                          from each of the
     Virginia Code                                                                         nationwide
     Virginia Court Rules
                                                                                           consumer credit
     LSNV Services               REQUEST YOUR CREDIT REPORT BY MAIL
     Consumer                                                                              reporting
                                 Fill out the request form or request fill-inable
     Debtors’ Rights                                                                       companies:
      Clinic
                                 form and mail it to:
                                                                                               • Equifax;
     Elder                       Annual Credit Report Request Service
                                                                                               • Experian;
     Employment & Civil          P.O. Box 105281
                                                                                                   and
      Rights                     Atlanta, GA 30348-5281
     Family                                                                                    • TransUnion.
     Health Care
     HIV/AIDS
                                 MYFAIRCREIDT. COM INFORMATION FOR DISPUTING
                                                                                     Monitor your credit
     Housing                     INFORMATION ON YOUR CREDIT REPORT
                                                                                     by using
     Law Center for
      Children
                              annualcreditreport.com to request your report every 4 months. Choose a
     Pro Bono                 different credit reporting company each time.
     Public Benefits
     Student Loans            Scams and Selling You a Service You Don’t Need
     Taxes                    One credit reporting company is advertising on TV an offer for a free credit
     Uncontested Divorce
       Project
                              report that requires to you sign up and pay a fee (using your credit card) to
    COURTS & AGENCIES         join their credit monitoring service.

However, if you don't cancel the monitoring service, within the 30-day trial period, you will be billed for
each month that you continue your membership. Remember, the report is not “free” if you have to use
your credit card to get it!

Be alert, fraudsters are using e-mail and pop-up ads claiming to take you to the official free site.

    How Can I Be Sure I Can Get a Free Credit Report?
Go only to annualcreditreport.com where you never be asked to use your credit card, or any other
form of payment, to receive your free credit report, and you don’t have to agree to sign up for a credit
monitoring service.



1
    Fair and Accurate Credit Transactions Act, passed in 2003.
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Credit Score
Your credit score is not included with the free credit report. This is a numeric measurement of
payment history and how close you are to your credit limits.

In Spanish from the Federal Trade Commission
http://www.ftc.gov/bcp/conline/spanish/alerts/s-freerepalrt.htm

FREQUENTLY ASKED QUESTIONS
https://www.annualcreditreport.com/cra/helpfaq

LINK TO PRIVACY TIMES http://www.privacytimes.com/




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Ben Longjas Ben Longjas
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