Getting A Credit Report

HOW TO …

GET YOUR FREE CREDIT REPORT

As Identity Theft continues to land in the #1 spot on the FTC List of Top Consumer Complaints year after year, all consumers should take advantage of this right review their credit reports on an annual basis.

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To order your free credit reports …

download the form to mail in;

call 1-877-322-8228; or

pull it up online at http://www.annualcreditreport.com/


HELPFUL HINT:
 To avoid any one-sided “terms and conditions” online, download the form and request your reports by mail!

Did You Know?  Most “free credit report” sites require you to pay for membership in order to get your free report.

Make sure to use:
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You are also entitled to a free credit report if you fall into one of the following categories:

1.  You Suffered a Negative Action Based on Your Credit Report.  If your credit report was used to deny you credit, employment or insurance, to raise your interest rate or insurance premium, or take some other negative action against you, you are entitled to a free copy of that report if you ask for it within 60 days of the negative action.

2.  You are Unemployed or on Welfare.  If you are unemployed and plan to look for a job within 60 days, or if you are on welfare, you are entitled to a free credit report.

3.  You are the Victim of Fraud. If your report is inaccurate because of fraud (including Identity Theft), then you are entitled to a free credit report.