środa, 28 września 2011

Getting free credit report


getting free credit report

You're also entitled to one free report a year if you're unemployed and plan to look for a job within 60 days; if you're on welfare; or if your report is inaccurate getting free credit report because of fraud, including identity theft. Otherwise, a consumer reporting getting free credit report company may charge you up to $9.50 for getting free credit report another copy of your report within a 12-month period. To buy a copy of your report, contact:

    Equifax: 800-685-1111; www.equifax.getting free credit report com Experian: 888-EXPERIAN (888-397-3742); www.experian.com Trans Union: 800-916-8800; www.transunion.com
Under state law, consumers in Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey, and Vermont already have free access to their credit reports. credit report for free

Should I order a report from each of the three nationwide consumer reporting companies or all of them? A: Its up to you. Because nationwide consumer reporting companies get their information from different sources, the information in your report from one company may not reflect all, or the same, information in your reports from the other two companies. That's not to say that the information in any of your reports is necessarily inaccurate; it just may be different. free credit check You may order one, two, or all three reports at the same time, or you may stagger your requests. Some financial advisors say staggering your requests during a 12-month period may be a good way to keep an eye on the accuracy and completeness of the information in your reports.

What if I find errors - either inaccuracies or incomplete information - in my credit report? A: Under the FCRA, both the consumer reporting company and the information provider (that is, the person, company, or organization that provides information about you to a consumer reporting company) are responsible for correcting inaccurate or incomplete information in your report. order free credit report

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