My Free Credit Report
How to Obtain My Free Credit Report:
The fastest way to get my free credit report is by going to the website AnnualCreditReport.com. This website was set up in direct response to the FACT act, by the three major credit reporting agencies. On this website, you can follow step by step instructions on how to get your free report from each company. You will need to provide some sensitive information, so make sure you are logging in from a trusted internet source, as opposed to public WI-FI. Be advised, these companies are in the money making business, and they will try everything they can to get you to purchase additional services like credit monitoring. Don’t be fooled. Just stick to the guidelines set forth by the website and you can obtain a credit report free of charge!
Is My Free Credit Report Really Free?
Yes! You are entitled to one of these reports once per year!
While many people choose to do this online, the agencies have also created a toll-free phone number and a mailing address to obtain my free credit report. The major drawback to this method is the fact it could take several days for you to receive your report, as opposed to instantly online.
To order by phone, call 1-877-322-8228 and follow the automated prompts.
To order by mail, you will have to fill out the FTC Facts for Consumer form (included in Appendix F) and mail it to:
Annual Credit Report Request Service
PO Box 105281
Atlanta, GA 30348-5281
Additional Ways to Obtain My Free Credit Report:
You can also obtain your free credit report by going to the three major credit reporting agencies and disputing inaccurate information. They will provide you with my free credit report after the dispute has been completed.
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