scr

Document Sample
scr Powered By Docstoc
					Segment 77 for Family Album
Topic: Free Credit Reports Available to Consumers
Written by Donna Davis




WELCOME TO ANOTHER PAGE IN THE FAMILY ALBUM AND THE

SNAPSHOTS OF OUR CHANGING FAMILIES. I’M DONNA DAVIS.

       IF YOU’VE EVER ATTEMPTED TO BUY A HOME OR CAR, OR EVEN

APPLY FOR A CREDIT CARD, THE NAMES EXPERIAN OR EQUIFAX MAY

HAVE CROSSED YOUR PATH. THESE ARE OF COURSE, TWO OF THE CREDIT

REPORTING AGENCIES THAT KEEP AN EYE ON YOUR CREDIT HISTORY AND

REPORT IT TO FINANCIAL INSTITUTIONS SEEKING YOUR BUSINESS. A

RECENT AMENDMENT TO THE FEDERAL FAIR CREDIT REPORTING ACT

(FCRA), REGULATED BY THE FEDERAL TRADE COMMISSION, REQUIRES

EACH OF THE NATIONWIDE CONSUMER REPORTING COMPANIES PROVIDE

YOU WITH A FREE COPY OF YOUR CREDIT REPORT, AT YOUR REQUEST,

ONCE EVERY 12 MONTHS. THE FCRA IS RESPONSIBLE FOR THE ACCURACY

AND PRIVACY OF INFORMATION IN THE FILES OF THE NATION’S

CONSUMER REPORTING COMPANIES.

       ACCORDING TO THE FEDERAL TRADE COMMISSION WEBSITE,

WWW.ANNUALCREDITREPORT.COM IS THE ONLY AUTHORIZED SOURCE

FOR YOUR FREE ANNUAL CREDIT REPORT FROM THE THREE NATIONWIDE

CONSUMER REPORTING COMPANIES. IT’S IMPORTANT TO UNDERSTAND

THAT NEITHER THE FTC NOR THE CONSUMER REPORTING

ORGANIZATIONS WILL SEND YOU AN EMAIL ASKING FOR YOUR
PERSONAL INFORMATION. IF YOU GET AN EMAIL OR SEE A POP-UP AD

CLAIMING IT’S FROM ANNUALCREDITREPORT.COM OR ANY OF THE THREE

NATIONWIDE CONSUMER REPORTING COMPANIES, DO NOT REPLY OR

CLICK ON ANY LINK IN THE MESSAGE — IT’S PROBABLY A SCAM.

     FREE REPORTS WON’T BE AVAILABLE TO THE ENTIRE U.S. UNTIL

SEPTEMBER, 2005. REGIONAL ROLLOUTS BEGAN DECEMBER 1 WITH THE

WESTERN REGION AND WILL WORK EAST ON A QUARTERLY BASIS. IN

THE MEANTIME, TAKE A LOOK AT OTHER IMPORTANT NEW CHANGES TO

CREDIT REPORTS AND THEIR POTENTIAL IMPACT ON YOU AND YOUR

CREDIT.



LISTENING, LEARNING AND LIVING TOGETHER, IT’S THE SCIENCE OF LIFE.

“FAMILY ALBUM” IS A CO-PRODUCTION OF UNIVERSITY OF FLORIDA IFAS

EXTENSION, THE DEPARTMENT OF FAMILY, YOUTH AND COMMUNITY

SCIENCES AND OF WUFT-FM. FOR MORE INFORMATION ON HOW TO GET

YOUR FREE CREDIT REPORTS AND WHY YOU SHOULD HAVE A COPY, GO

TO WWW.FTC.GOV OR VISIT OUR WEBSITE AT FAMILYALBUMRADIO.ORG.



                                ###