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					How to Get Your Credit Reports Free You are now entitled to one free credit report from each of the three credit reporting agencies every year. There are three ways you can order your free annual credit reports: • Online: www.annualcreditreport.com • Phone: 1-877-322-8228 • Mail the Annual Credit Report Request Form (available online at https://www.annualcreditreport.com/cra/requestformfinal.pdf) to: Annual Credit Report Request Service P.O. Box 105281 Atlanta, GA 303485281 When you go online or call, you will need to provide your full name, address, Social Security number, and date of birth. To verify your identity, you may need to provide some information that only you would know, like the amount of your monthly mortgage or car loan payment. Other ways to get your credit reports free… According to the Fair Credit Reporting Act (FCRA), you qualify for a free report from the three major credit agencies if: • You are unemployed and intend to apply for employment within 60 days; • You receive public welfare assistance; • You believe your consumer file contains inaccurate information due to fraud; and/or • You have been the subject of adverse action, such as denial of credit or insurance, within the past 60 days. Facts About Credit Inquiries Basic credit inquiry guidelines: • One credit inquiry can lower your FICO credit scores up to 12 points. • Credit inquiries can remain on your credit reports for two years. • A credit inquiry will no longer have an effect on your FICO scores after 12 months. These credit inquiries DO NOT lower your FICO credit scores: • When you purchase your consumer credit reports directly through the three national credit reporting agencies. • When an insurance company looks at your credit report. • When a lender you currently do business with looks at your credit report at regular intervals. • When lenders purchase your credit information without your consent from the credit reporting agencies; this is considered a promotional or pre-screened credit inquiry.
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• When a prospective employer looks at your credit report. Specific tips: • When applying for mortgage or auto credit, do it all within a period of 14 days. By doing this all mortgage and auto inquiries will equal only one credit inquiry. • Any new mortgage or auto credit inquiries do not count against your FICO score until they’ve been on your report for 31 days. Additional Information FCRA—For a copy of the Fair Credit Reporting Act (FCRA) go to: www.ftc.gov/os/statutes/fcrajump.htm and click on the Fair Credit Reporting Act link. FACTA—For a copy of the Fair and Accurate Credit Transactions Act (FACTA) go to: www.ftc.gov/os/statutes/fcrajump.htm and click on the Fair and Accurate Credit Transactions Act of 2003 link. Opt-Out—To prevent credit reporting agencies from selling your credit information to lenders, which translates into a promotional credit inquiry, call 1888-567-8688 to opt-out, or go to: www.optoutprescreen.com How to Purchase Your Credit Reports You are entitled to one free credit report from each of the credit reporting agencies per year. However, if after you receive your free reports, you wish to order additional reports you may need to purchase them (unless you live in Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey, or Vermont, which all provide additional free reports). Please review this brochure to see if you live in a state that supplies additional free reports, or how much your state charges for additional credit reports. Please note: The consumer reports that you receive will not include your FICO® scores. You need to purchase your FICO scores separately. Information for acquiring your credit reports from the three national credit reporting agencies How to get your Experian report: States that offer free Experian credit reports (in addition to the free reports you get from annualcreditreport.com): Colorado, Massachusetts: One free report per calendar year Georgia: Two free reports per calendar year Maine, Maryland, New Jersey, Vermont: One free report per 12 month period

If you live in one of these states and have claimed your free Experian report from annualcreditreport.com this year, you will have to pay a fee to get an additional credit report: California: $8.00 Connecticut: $5.30 for first report in calendar year Hawaii: $9.88 Minnesota: $3.00 Montana: $8.50 New Mexico, South Carolina: $9.98 New York, Texas: $10.28 Pennsylvania: $10.17 South Dakota, West Virginia: $10.07 Washington DC: $10.05 All other states: $9.50 Phone Ordering Instructions: For instruction to receive your Experian report via mail, dial 1-888-397-3742 Mail Ordering Instructions: ExperianPO Box 2104Allen, TX 75013 You must draft a letter with the following info: • Full name (including middle initial, Jr., Sr., III) • Date of birth • Social Security number • Spouse’s full name and Social Security number • Current street address (apt.#), city, state, zip • Previous addresses in past 2 years • Two proofs of your current address (i.e., copies of driver’s license, utility bill, bank statement, etc.) • Phone number • Signature • Applicable fee in check or money order payable to Experian How to get your TransUnion report: States that offer free TransUnion credit reports (in addition to the free reports you get from annualcreditreport.com): Colorado, Massachusetts: One free report per calendar year Georgia: Two free reports per calendar year Maine, Maryland, New Jersey, Vermont: One free report per 12 month period If you live in one of these states and have claimed your free TransUnion report from annualcreditreport.com this year, you will have to pay a fee to get an additional credit report:

California: $8.00 Connecticut: $5.00 Minnesota: $3.00 Montana: $8.50 Virgin Islands: $1.00 All other states: $9.50 Phone Ordering Instructions: For instructions to receive your TransUnion report via mail, call 1-800-888-4213 Mail Ordering Instructions: TransUnion PO Box 1000Chester, PA 19022 You must draft a letter with the following info: • Full name (first, middle, last, including Jr., Sr., III) • Date of birth • Social Security number • Current street address (apt.#), city, state, zip • Previous addresses in the past 2 years • Proof of your current address (i.e., copy of driver’s license, utility bill, bank statement, lease, W-2, etc.) • Current employer • Phone number • Signature • Applicable fee in check or money order payable to TransUnion How to get your Equifax report: States that offer free Equifax credit reports (in addition to the free reports you get from annualcreditreport.com): Colorado, Massachusetts: One free report per calendar year Georgia: Two free reports per calendar year Maine, Maryland, New Jersey, Vermont: One free report per 12 month period If you live in one of these states and have claimed your free Equifax report from annualcreditreport.com this year, you will have to pay a fee to get an additional credit report: California: $8.00 Connecticut: $5.00 Minnesota: $3.00 Montana: $8.50 All other states: $9.50 Phone Ordering Instructions: For instruction to receive your Equifax report via mail, dial 1-800-685-1111

Mail Ordering Instructions: Equifax Information Services LLCPO Box 740241Atlanta, GA 30374 You must draft a letter with the following info: • Full name (including Jr., Sr., III) • Date of birth • Social Security number • Current street address (apt.#), city, state, zip • Previous addresses in past 5 years • Proof of your current address (i.e., copy of driver’s license or utility bill, etc.) • Phone number • Signature • Applicable fee in check or money order payable to Equifax Fair Isaac and FICO are registered trademarks of Fair Isaac Corporation