Obtaining Your Credit Report

Once a year, get your credit report for free from AnnualCreditReport.com or 1-877- 322-8228. The law entitles you to one free report each year from each credit reporting company. If you see something you don’t recognize, you will be able to deal with it.

The three largest credit bureaus in the United States are Equifax, Experian, and TransUnion. A federal law called the Fair Credit Reporting Act allows you to receive one free copy of your credit report from each of these three companies once a year.

To get a free report online, go to annualcreditreport.com and follow the directions. This site is run jointly by Equifax, Experian, and TransUnion.

Be wary of the numerous websites that advertise free credit reports. Many consumers get tricked into paying for reports and services they don’t really need. The website providing your free annual credit report is annualcreditreport.com, run jointly by Equifax, Experian and TransUnion.

When you receive your report, check for mistakes in your name, social security number, former addresses, accounts you didn’t open and errors in your history.

Please Report Identity Theft

If you suspect identity theft, act quickly. Please report it to your local police and the Federal Trade Commission.