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| Credit Reports |
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Credit Rating Reports
- To request free annual report
- Online: AnnualCreditReport.com
- Click on the link above or type in the URL EXACTLY as there are many similar fraudulent sites out there
- Almost immediate turnaround
- You can get all three reports, all at once to compare, or you can spread requests throughout the year
- Call: 1-877-322-8228
- Write: Annual Credit Report Request Service; PO Box 105281, Atlanta GA 30348-5281 (15 day turn-around)
- What you will/won't receive
- Information may vary from company to company
- Can view Experian online report for 90 days, others for 30 day
- Will NOT receive credit score
- Can I get free reports directly from Equifax, Experian or TransUnion? Only if...
- YouÂ?ve been denied employment, credit, insurance or rental housing in past 60 days
- You believe your record has errors due to fraud
- Problems on your report?
- Contact individual reporting agency directly ASAP. Each has separate procedures (pone, online, in writing), follow them.
- Companies are required to investigate discrepancies; you should have a response within a month
- www.ftc.gov/credit or write FTC consumer Response Center, 60 Pennsylvania Ave, NW, Room 130, Washington. DC 20580
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When should you get a report? Before...
- Applying for credit or a loan
- Switching insurance companies
- Applying for a new job
- Renting or buying a home
- Regularly to...
- Guard against identity thefy
- Verify that all accounts in your name are legitimate
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What is in a report?
- Where you live
- Where you work
- Loans and credit card accounts you hold
- Who has viewed your credit history recently
- Any potentially negative items in your report (bankruptcy, lien, judgments against you)
- Accounts closed for several years
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Credit Law
- Fair Credit Reporting Act of 1971 - Limits access to reports to those who have a need to know. Have right to obtain FREE copy of credit report in 30 days if, due to credit report, you are denied...
- credit
- insurance
- empoloyment
- Equal Credit Opportunity Act (ECOA)
- CanÂ?t discriminate on age , gender, race, marital status or because you receive public assistance
- Age exceptions...
- Under 18 - canÂ?t sign contract
- Over 62 - may be allowed addÂ?l credit
- Creditor must repsond to credit request within 30 days
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