Credit Reports

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Credit Reports

Free Annual Credit Reports

Credit ReportHave you recently thought about checking your credit reports? Well, every year you can gain access to a free copy of your credit reports through The Fair Credit Reporting Act (FCRA). You can gain access to copies of your credit reports from the three big nationwide credit reporting agencies: Equifax, Experian and TransUnion every 12 months.

A credit report includes such information as where you lived, if you pay your bills on time, and if you've had any legal action to recover a debt. This information is sold to insurers, employers and other types of businesses that will use this data to evaluate your applications for employment, insurance, or renting a home.  Your credit score is also used to determine your ability to repay debts like long term loans for school or home ownership.  Also, you will want a copy of your credit report if you have ever had your identity stolen and to make sure that all of the information on your report is accurate.  Each credit reporting agency has a method to dispute inaccurate information and it's important to do so to make sure you have the best credit rating that you can.

To order your free report from the three nationwide credit reporting companies, you can visit annualcreditreport.com or call 1-877-322-8228. If you prefer to contact Annual Credit Report by mail, a form and address are listed on their website.  

In order to access your free credit reports you will need to provide some information, such as your name, address, Social Security number, date of birth and current and previous addresses. You also may be asked personal information such as your current mortgage payment, your adjusted gross income on your latest tax return, or a large purchase such as a car. These security questions are for your protection to verify that you and only you have access to your credit reporting scores.

If you have other questions about accessing your free annual credit reports stop by the adult information desk and we will be happy to assist you.