Under the Fair and Accurate Credit Transactions Act (FACT
Act) consumers can request and obtain a free credit report once every 12 months
from each of the three nationwide consumer credit reporting companies -
Experian, Equifax, and TransUnion.
By Federal law, you are entitled to one free credit report
per year directly from a credit-reporting agency only if you certify that:
- You
are unemployed and seeking employment in the next 60 days.
- You
are receiving public assistance.
- You
believe there are inaccuracies in your credit report due to fraud
- Also
if you have been denied credit on the basis of information in a credit
report, you are entitled to a free copy of your credit report from the credit
bureau that supplied the credit report.
Obtaining Free Credit Report
You can request you free credit report from a web site AnnualCreditReport.com,
by calling a toll free number, or by requesting it in writing. This website was
created by the credit bureaus.
The toll free number is (877)-322-8228, which is also
(877)-FTC-HELP if that's easier to remember. The address to write to is Annual
Report Request Service, P.O. Box 105281, Atlanta,
GA., 30348-5281.
You will not be asked to sign up for a trial subscription for a credit
monitoring service after requesting your credit report.
30 Days Free Trail Membership
By law, each consumer is entitled to one free credit report
each year. Although reports are free, consumer may have to pay a few bucks to
view their credit score.
Despite this incentive to encourage credit report
monitoring, many people neglect to review the contents of their report. This
results in millions becoming victims of identity theft each year. Free credit
reports are available online, and viewable for up to 30 days.
Another way of obtaining free credit report is by signing up
for a trial membership in a credit monitoring service. You can cancel the
membership before the free trial period is up.
If you keep the service however,
it will keep you updated on your credit, particularly new entries, and updates
from creditors.
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