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You are entitled to know what’s in your credit report. As a result of the Fair Credit Reporting Act, copies of your credit report are now available at no charge. Order a free copy from each of the three credit bureaus once in a 12-month period.
It is a good idea to get a copy of your credit report to review the information. There may be inaccurate information that needs to be corrected. If there are inaccuracies, you should dispute them and get them corrected. Obtaining a copy of your credit report is also important in avoiding identity theft, a growing problem among college students.
It is much easier now for consumers to obtain copies of their credit report. You can now order your free annual credit report online at www.annualcreditreport.com, or you can call 1-877-322-8228, 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.
Before you can have access to your report, you must verify that you are the individual whose name is on the file. You will need to provide your name, address, Social Security number, and date of birth. To verify your identity, you may need to provide some information that only you would know, like the amount of your monthly mortgage payment.
Beware of imposter sites! They may try and sell you unwanted services.
Remember - for your FREE copy go to this website. It is the only website authorized to fill orders for the FREE annual credit report you are entitled to under law.
www.annualcreditreport.com
For additional copies beyond the one free copy per year, or to get your credit score (not a free service), contact the three major credit bureaus directly.
Equifax
www.equifax.com
1-800-685-1111
Experian
www.experian.com
1-888-397-3742
TransUnion
www.transunion.com
1-800-888-4213
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