Some “imposter” sites use terms like “free report” in their names others have URLs that purposely misspell in the hope that you will mistype the name of the official site. If you don’t cancel during the trial period, you may be unwittingly agreeing to let the company start charging fees to your credit card. For example, some sites sign you up for a supposedly “free” service that converts to one you have to pay for after a trial period. In some cases, the “free” product comes with strings attached. Other websites that claim to offer “free credit reports,” “free credit scores,” or “free credit monitoring” are not part of the legally mandated free annual credit report program. Only one website is authorized to fill orders for the free annual credit report you are entitled to under law. The law allows you to order one free copy of your report from each of the nationwide credit reporting companies every 12 months. You may order your reports from each of the three nationwide credit reporting companies at the same time, or you can order your report from each of the companies one at a time. They are providing free annual credit reports only through, 1-87 or mailing to Annual Credit Report Request Service. Do not contact the three nationwide credit reporting companies individually. Or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. The three nationwide credit reporting companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report. Here are the details about your rights under the FCRA, which established the free annual credit report program. Nationwide credit reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home. The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the FCRA with respect to credit reporting companies.Ī credit report includes information on where you live, how you pay your bills, and whether you’ve been sued or have filed for bankruptcy. The FCRA promotes the accuracy and privacy of information in the files of the nation’s credit reporting companies. The Fair Credit Reporting Act (FCRA) requires each of the nationwide credit reporting companies - Equifax, Experian, and TransUnion - to provide you with a free copy of your credit report, at your request, once every 12 months.
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