Monitoring your credit report is an important part of maintaining your credit. It is a good idea to check your credit report annually to dispute any discrepancies or errors. Obtaining a copy of your credit report can also help prevent identity theft.
Your Credit Rights
Under the Fair Credit Reporting Act, consumers are entitled to a free copy of their credit report each year from Equifax, Experian and Trans Union. The overall goal is to keep consumers informed about their credit. Individuals do not have to pay or provide any credit card information to check their credit.
Avoid the Scams
Many companies advertise "free" credit reports. Unfortunately, the advertisements tend to be misleading. Sometimes you must sign up for credit monitoring or purchase other services to get your "free" credit report. To limit the scams, the Fair and Accurate Credit Transactions Act requires commercial websites claiming to offer free credit reports to note on their sites that consumers can get a free credit report at AnnualCreditReport.com.
Get Your Credit Report
Individuals can request a free copy of their credit report online, by phone or by mail. The site AnnualCreditReport.com will instantly provide consumers with a copy of their report from the three major bureaus. A copy can be requested by calling 1-877-322-8228 or mailing the request to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
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