Annual Credit Report » AnnualCreditReport.com http://www.annualcreditereports.org Free Credit Report Thu, 12 Nov 2009 17:10:05 +0000 http://wordpress.org/?v=2.8.5 en hourly 1 How To Obtain Your Annual Credit Report http://www.annualcreditereports.org/2008/12/how-to-obtain-your-annual-credit-report/ http://www.annualcreditereports.org/2008/12/how-to-obtain-your-annual-credit-report/#comments Mon, 29 Dec 2008 23:37:00 +0000 admin http://annualcreditereports.com/?p=11 The Fair Credit Reporting Act requires each of the nationwide consumer reporting companies – Equifax, Experian, and TransUnion – to provide you with a free copy of your credit report every 12 months. To receive your free annual credit report simply go to AnnualCreditReport.com.

The three nationwide consumer reporting companies have set up one central website, toll-free telephone number, and mailing address through which you can order your free annual credit report. To order, click on www.AnnualCreditReport.com, call 877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

Free annual credit reports requested online are viewable immediately upon authentication of identity. Free annual credit reports requested by phone or mail will be processed within 15 days of receiving your request.

In addition to consumers who are eligible for a free credit report through the Annual Credit Report Request Service; consumers in some states are eligible for a free credit report under state law. The following states have laws that make free credit reports available to consumers: Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey and Vermont.

]]> http://www.annualcreditereports.org/2008/12/how-to-obtain-your-annual-credit-report/feed/ 0 Fake Annual Credit Report Sites http://www.annualcreditereports.org/2008/12/fake-annual-credit-report-sites/ http://www.annualcreditereports.org/2008/12/fake-annual-credit-report-sites/#comments Mon, 29 Dec 2008 23:35:23 +0000 admin http://annualcreditereports.com/?p=13 Under the Fair and Accurate Credit Transactions Act, you are entitled to a free annual credit report from each of the three credit bureaus once every 12 months.

The problem is that there are a lot of imposter sites that lure you in with a “free” annual credit report, but they take your credit card information which enrolls you into their credit monitoring service or another similar product. Some sites are outright frauds that aim to steal your personal information. To read more about fake sites, see www.ftc.gov/bcp/conline/pubs/alerts/fakealrt.htm. The FTC filed suit against one imposter site and sent warning letters to many others.

These fake sites have nothing to do with the FACT Act, and you shouldn’t go through them to get your free annual credit report. But, many people get snagged into them because they are confusing these bogus for-profit entities for the actual entity that is authorized to provide the free reports under the FACT Act.

The only place to get your free annual credit report is called AnnualCreditReport.com. The URL is https://www.annualcreditreport.com It is the only service authorized by Equifax, Experian, and TransUnion to provide free annual credit report under the FACT Act. The site is secure, so the information you submit is safe.

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