FREE CREDIT REPORT

GET YOUR FREE CREDIT REPORT

Your right to one (1) free credit report per year is mandated under the Fair and Accurate Credit Transaction Act of 2003.

There is only one official website: www.annualcreditreport.com. At this website, you can order a copy of all reports compiled by the three major credit reporting agencies: Equifax, Experian and Trans-Union. This site can also be accessed through a link at the Federal Trade Commission (FTC) website: www.ftc.com

You can also get your FREE credit report by calling toll free to: 877-322-8228.

You will need to provide your name, address (and previous address if you have moved recently), Social Security Number and date of birth. You will be asked to answer some authentication questions to make sure that it is you…and not somebody else…trying to get your information, such as when was your last mortgage or car payment.

WARNING: FAKE SITES

There are fake sites, and lots of them. Be on the lookout for fake “free-credit-report” sites that lure you into buying credit monitoring services. The Federal Trade Commission has already identified at least 130 such sites. Here’s the test: If you are asked for your credit card number, you are likely at a fake site. Pop-up ads or email messages claiming to be for the official website are probably scams.

Which Credit Report Should I Request?

Ask for copies of all three agencies’ reports…Equifax, Trans-Union and Experian…as the information listed with each agency sometimes varies due to factors such as out-of-date listings or wrong account numbers.

What Your FREE Credit Report Does NOT Include:

Unlike the credit report, information about your credit score is not free. But it’s more important. Your score can affect many things, including your ability to get loans, your insurance premiums, and even your employment. Scores range from 300 to 850, and are used to predict how likely you are to pay your bills on time. The higher the score, the better off you are. You can order a copy of your credit score, which is based largely on your credit history, from all 3 major credit reporting agencies at the official website: www.annualcreditreport.com

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