Your Free Credit Report
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HOW TO REQUEST YOUR FREE CREDIT REPORT UNDER FEDERAL LAW1
REQUEST YOUR CREDIT REPORT ON-LINE REQUEST YOUR CREDIT REPORT BY PHONE Call 1-877-322-8228. You will go through a simple verification process over the phone. Your report will be mailed to you. REQUEST YOUR CREDIT REPORT BY MAIL Fill out the request form or request fill-inable form and mail it to: Annual Credit Report Request Service P.O. Box 105281 Atlanta, GA 30348-5281 MYFAIRCREIDT. COM INFORMATION FOR DISPUTING
INFORMATION ON YOUR CREDIT REPORT
ADDITIONAL INFORMATION annualcreditrepo rt.com allows you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: • Equifax; • Experian; and • TransUnion.
Monitor your credit by using annualcreditreport.com to request your report every 4 months. Choose a different credit reporting company each time. Scams and Selling You a Service You Don’t Need One credit reporting company is advertising on TV an offer for a free credit report that requires to you sign up and pay a fee (using your credit card) to 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.
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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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