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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 annual free credit report. It's quick, easy and secure. |
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Annual Free Credit Report
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Requesting
Your Annual Free Credit Report
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| Viewing
your annual free credit report files
are allowed by both state and federal
laws. You can request your annual free
credit report once every 12 months from
each of the three consumer reporting
agencies, Equifax, Experian and
TransUnion. It
only takes a couple of minutes to view
and print your annual free credit
report so there isn't any
reason not to do so. |
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What
Is In Your Annual Free Credit Report?
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annual 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. |
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Order All
Annual Free Credit Reports Now 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 major credit
reporting bureaus 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 the 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
credit agency today you can still request from the other two at a later date. That way, you will have access to your updated credit
report every four months throughout the year. |
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Your Free Credit Score
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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 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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Annual
Free Credit
Report Versus Free Credit Score
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Annual Free 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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Know
Your Credit Score
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You should always stay on top of your credit reports and credit
score before you apply
for any loans or credit card. You can get your annual free credit
report from any or all of the three major credit reporting
agencies.
To learn more about your credit report and credit score,
visit our AnnualFreeCreditReport blog, You will also find excellent tools such as credit
monitoring services to help you stay on top of what's in your credit
report file.
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Your
Credit Score Constantly Changes
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credit score you saw last year or even last week for that
matter, was a snapshot of your credit file at that moment in
time. Credit scores are fluid and can change anytime your credit
report file is updated with new information. |
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How
Do You Request A "Fraud Alert" Be Placed On Your File?
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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 have 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.
This may delay your ability to obtain future credit while
the fraud alert is in place, that's why your annual free credit
report is so important. You may place a fraud alert
in your file by calling any one of the three major
credit reporting agencies. As soon as that
agency activates your fraud alert, it will notify the
others to place fraud alerts in your credit report file as
well. You can get your AnnualFreeCreditReport from any or all of the following credit bureaus listed below. |
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Credit Reporting
Agencies
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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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