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This notice is required
by law. Read more at
ftc.gov.
You have the right to
a free credit report from
annualcreditreport.com
or 877-322-8228, the only authorized source under federal law.
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Annual
Free Credit Report
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your free credit report is quick, easy and secure. |
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Free Annual
Credit Report
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Requesting Your Free
Credit Report
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Both state and federal
laws allow you to request a annual free credit report once
every 12 months from each of the three consumer
reporting companies, Equifax, Experian and TransUnion. |
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It only takes a couple
of minutes to view and print your credit report
file so there isn't any reason not to do so. |
What Is In Your Free
Credit Report?
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Your free
credit report provides you with information
that is in your credit file maintained by the consumer
reporting companies which could be given in a report
about you to a lender. A credit report lists
the full detail on all your credit accounts. |
Should
You Order All Reports At One Time Or Space Them Out
Over 12 Months?
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You
are entitled to receive one annual free credit report
every 12 months from each of the nationwide
consumer credit reporting companies and it is
entirely up to you if you wish to order all
three credit reports at the same time or order
one now and others later. |
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The advantage of ordering all three
credit reports at the same time is that you will be able to
compare them. Then you
would not be eligible for another free credit report for another
12 months. The advantage of ordering one now and others later,
one credit report every four months for example, is that you can
keep track of any changes or new information that may appear on
your annual free credit report. So if you request yours from only one
company today you can still request from the other two companies
at a later date. That way you will know your updated credit
report every four months throughout the year. |
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What
Is A Credit Score?
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Your
credit score is a number from the Fair Isaac Company or FICO,
and is a mathematical model that evaluates many different types
of information in a your credit file. Your FICO Score is
used by a lender to help them determine whether you might
qualify for a particular credit card, loan, or service. Most
credit scores estimate the risk a company incurs by lending you
money or providing them with a service. In other words, the
likelihood that you would make your payments on time in the
future. The higher your credit score, the less risk you
represent to a lender. |
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Credit
Report Versus FICO Score
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Your
Credit Report lists the full detail on all your credit accounts.
It tracks your past payments on all your loans and credit cards.
Your credit report is different than your credit score. Your
credit score is a number that ranges from 300 to 850. |
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How
Do You Request A "Fraud Alert" Be Placed On Your File?
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You
have the right to ask the consumer credit reporting companies to
place a fraud alert in your file to let any potential
creditors know that you may been a victim of identity theft.
Fraud alerts can make it more difficult for someone to get
credit in your name because it tells creditors to follow certain
procedures to protect you. It also may delay your ability to
obtain future credit while the fraud alert is in place. You may
place a fraud alert in your file by calling any one of the three
nationwide consumer credit reporting companies. As soon
as that agency activates your fraud alert, it will notify the
others to place fraud alerts in your file as well. |
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Know
Your Credit Score
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You should always stay on top of your credit reports and scoring before you apply
for any loans or credit card. Get your free credit
report along with your credit score from any or all of the three major credit reporting
agencies. You will also find excellent tools such as credit
monitoring services to help you stay on top of your credit rating.
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Annual Free Credit Report Blog
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Easily keep
up to date with the latest in credit news, products and services
with our frequently updated Annual Free Credit Report Blog. |
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Nationwide
Consumer Reporting Companies
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Equifax
P.O. Box 740256 Atlanta, Georgia 30374 |
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Experian
P.O. Box 9554 Allen, Texas 75013 |
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TransUnion
P.O. Box 6790 Fullerton, CA 92834 |
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Annual Free
Credit Report Is Approved McAfee Site Advisor Safe |
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