Did you know that according to the federal Fair Credit Reporting Act (FCRA), you are entitled to a free annual credit report from each of the three major credit agencies? I am finding out that some people are aware of this and others are not, so I thought this information would be helpful to post.
Some websites and advertisements indicate that the credit reports are free but they require you to purchase something else, take a survey, subscribe to a service, or participate in some other activity in order to get your free reports. You have to be careful of those kinds of gimmicks when sharing your personal information. However, there is only one website (that I am aware of) that doesn't require you to do anything or purchase anything in order to get your truly free annual credit reports. The nation's three credit reporting agencies have teamed up and built a website to provide you with your free annual credit reports. The site is recommended by the government and your reports are available immediately, if you have the ability to download them. The website is: http://www.annualcreditreport.com/ . I use this website nearly every year and I have never had any problems and I have always gotten my reports truly free with no gimmicks. Give the website a try.
If needed, below are the three main agencies and their united and individual contact information:
Main Phone number to request all three reports: 877-322-8228
Equifax Information Services, P.O. Box 740241, Atlanta, Ga. 30374, 800-685-1111, http://www.equifax.com/.
Experian, P.O. Box 2104, Allen, Texas 75013, 888-397-3642, http://www.experian.com/.
TransUnion Corp., P.O. Box 390, Springfield, Pa. 19064, 800-916-8800, http://www.transunion.com/.
Jennene Shanholtz, REALTOR®
Email: jennenes.vegasrealestate@yahoo.com
No comments:
Post a Comment