Under the 2003 Fair and Accurate Credit Transactions Act, you have the right to a free of your report within a 12 from the three report ( Experian, Equifax and TransUnion ).
The goal of this new Americans have the right to stay informed about what these three reporting you without having to pay for it. Since , are quite common today, why should you have to pay for a of a report to fight back against these problems?
Here are the 3 get your free annual report:
The three reporting have created to request your annual report.
1) Go to www.annualcreditreport.com
2) Call (877) 322-8228 to request your free report.
3) Complete a from the Federal Trade Comission, http :// www.ftc.gov/ bcp/ conline/ include/ requestformfinal.pdf and it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
If to the three or use any other having to pay or sign up for the I mentioned above! Make sure you use one of the 3 I have to get your annual free report.
You can get the reports from all 3 at once or the reports from each one . The advantage of the reports that you receive is to keep track any major changes in your what is on your report. For , if you plan on a second mortgage over the coming year, or applying for student , ect. it might be wise to get a report before and after these !
This new Act does not supplant the other methods you can take advantage of to receive a free report. If you are applying for unemployment or been denied a , or a report in order to get a job, you still have the right a free report.
Take advantage of this new government regulation and make sure all of the information by all three reporting . Any or can reduce your and end up you a lot of money when you apply for any type of credit.