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The information in your credit report can affect your buying power. It can also affect your chance to get a job, rent or buy a place to live, and buy insurance. Credit bureaus sell the information in your report to businesses that use it to decide whether to loan you money, give you credit, offer you insurance, or rent you a home. Some employers use credit reports in hiring decisions. The strength of your credit history also affects how much you will have to pay to borrow money.
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Identity theft can damage your credit with unpaid bills and past-due accounts. If you think someone might be misusing your personal information, go to IdentityTheft.gov to report it and get a personalized recovery plan.
Federal law gives you the right to get a free copy of your credit report every 12 months from each of the three nationwide credit bureaus. Through December 2023, everyone in the United States also can get a free credit report each week from each of the three credit bureaus at AnnualCreditReport.com.
You have options: order your free reports at the same time, or stagger your requests throughout the year. 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. Because each nationwide credit bureau gets its information from different sources, the information in your report from one credit bureau may not be the same as the information in your reports from the other two credit bureaus.
AnnualCreditReport.com is a website jointly operated by the three major U.S. credit reporting agencies, Equifax, Experian, and TransUnion. The site was created in order to comply with their obligations under the Fair and Accurate Credit Transactions Act (FACTA)[1] to provide a mechanism for American consumers to receive up to three free credit reports per year.
One of the provisions of FACTA, passed in 2003 as an amendment to the Fair Credit Reporting Act (FCRA), was a requirement that each of the three credit reporting agencies provide, upon request, a free credit report every twelve months to every consumer. The goal was to allow consumers a way to ensure their credit information is correct and to guard against identity theft.[2]
Accordingly, the three major credit reporting agencies, Equifax, Experian, and TransUnion created the joint venture company Central Source LLC to oversee their compliance with FACTA.[3] Central Source then set up a toll free telephone number, a mailing address and a central website, AnnualCreditReport.com, to process consumer requests. Access to the free report was initially rolled out in stages, based on the consumer's state of residence. By the end of 2005 all U.S. consumers could use these services to obtain a credit report.
AnnualCreditReport.com requires users to register with the site and provide their basic identification information, such as name, address, and Social Security number. The user is then sent to the website of the individual credit reporting agency they select, where they are asked additional security questions to confirm their identity before getting their report.[2] A consumer can request reports from all three agencies at the same time or stagger the requests throughout the twelve-month period as a way to self-monitor their credit data.[2] In order to obtain a free credit report, users are not required to give a credit card number but establishing an account is required by some of the agencies. Any inaccuracies or signs of identity theft may be dealt with using the mechanisms provided under the FCRA and FACTA.
Over a two-year period from December 2004 to December 2006, 52 million credit reports were issued to consumers through AnnualCreditReport.com. According to the Consumer Data Industry Association, fewer than 2 percent of the reports reviewed by a consumer resulted in a dispute in which data was deleted from the report.[4]
AnnualCreditReport.com is the only federally mandated and authorized source for obtaining a free credit report. The Federal Trade Commission cautions consumers to be aware of "impostor" websites that have similar names or are deliberate misspellings of the real name.[2] Such impostor websites include websites with titles like FreeCreditScore.com.[6]
In order to investigate this concern, the consumer group World Privacy Forum has made two studies regarding AnnualCreditReport.com. Their July 2005 study found that there were 233 domains with names very similar to AnnualCreditReport.com, of which 112 routed users to a variety of unintended destinations, including for-fee services, "link farms" and pornographic sites. The report concluded that the credit reporting agencies and the Federal Trade Commission needed to do more to rein in and shut down impostor sites. A follow-up study from RentPrep found that of the original 112 routed links, only six currently remain.[7]
When you order, you will need to provide your name, address, Social Security number, and date of birth. To verify your identity, you may need to provide some information on your credit report, such as the amount of your monthly mortgage payment.
Personal finance isn't exactly the most exhilarating of topics. However, regardless of your credit history, monitoring your FICO score from the three major credit reporting bureaus (Experian, Equifax and Transunion) is vital. Those same major credit bureaus help determine if you qualify for good credit card or loan interest rates. In fact, with identity theft rates high due to the COVID-19 pandemic, paying attention to your credit file is now more vital than ever.
Shopping around for a credit reporting company to provide you with a credit report can seem like an unnecessary expense, especially if you only want to check your score once a year. For the unbeatable price of $0.00, this website is perfect for someone who only wants the basic credit reports.
All you need to do to get a free copy of your credit report from AnnualCreditReport.com is provide some personal information when you fill out the free credit report request form. These details include:
Disclaimer: This story was originally published on August 4, 2020, on BetterCreditBlog.org. To find the most relevant information concerning AnnualCreditReport.com or its weekly credit reporting during the pandemic, please visit their website:
Credit reports list your bill payment history, loans, current debt, and other financial information. They show where you work and live and whether you've been sued, arrested, or filed for bankruptcy.
Credit reports help lenders decide if they'll give you credit or approve a loan. The reports also help determine what interest rate they will charge you. Employers, insurers, and rental property owners may also look at your credit report. You won't know which credit report a creditor or employer will use to check your credit.
Credit reporting agencies (CRAs) collect and maintain information for your credit reports. Each CRA manages its own records and might not have information about all your accounts. Even though there are differences between their reports, no agency is more important than the others. And the information each agency has must be accurate.
Check your credit reports regularly to make sure that your personal and financial information is accurate. It also helps to make sure nobody's opened fraudulent accounts in your name. If you find errors on your credit report, take steps to have them corrected.
Contact the CRA directly to try to resolve the issue. The CRA should tell you the reason they denied your request and explain what to do next. Often, you will only need to provide information that was missing or incorrect on your application for a free credit report.
Making sure your credit report is accurate ensures your credit score can be too. You can have multiple credit scores. The credit reporting agencies that maintain your credit reports do not calculate these scores. Instead, different companies or lenders who have their own credit scoring systems create them.
Your free annual credit report does not include your credit score, but you can get your credit score from several sources. Your credit card company may give it to you for free. You can also buy it from one of the three major credit reporting agencies. When you receive your score, you often get information on how you can improve it.
Placing a credit freeze allows you to restrict access to your credit report. This is important after a data breach or identity theft when someone could use your personal information to apply for new credit accounts. Most creditors look at your credit report before opening a new account. But if you've frozen your credit report, creditors can't access it, and probably won't approve fraudulent applications.
If you want lenders and other companies to be able to access your credit files again, you will need to lift your credit freeze permanently or temporarily. Contact each credit reporting agency. You'll use a PIN or password to lift your credit freeze. You can lift your credit freeze as often as you need to, without penalties.
The credit reporting agency (CRA) and the information provider are liable for correcting your credit report. This includes any inaccuracies or incomplete information. The responsibility to fix any errors falls under the Fair Credit Reporting Act.
Negative information in a credit report can include public records--tax liens, judgments, bankruptcies--that provide insight into your financial status and obligations. A credit reporting company generally can report most negative information for seven years.
Information about a lawsuit or a judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer. Bankruptcies can be kept on your report for up to 10 years, and unpaid tax liens for 15 years.
Anyone who denies you credit, housing, insurance, or a job because of a credit report must give you the name, address, and telephone number of the credit reporting agency (CRA) that provided the report. Under the Fair Credit Reporting Act (FCRA), you have the right to request a free report within 60 days if a company denies you credit based on the report. 041b061a72