FREE CONSUMER'S CREDIT REPORTS ARE AVAILABLE EVERY 12 MONTHS
Click here for free credit reports. or call 877-322-8228. www.annualcreditreport.com is the only Web site where you can get a legitimate free copy of your credit report from each of the three credit bureaus once every 12 months. ANY OTHERS ARE FAKES AND SCAMS!!!
Or you can request your free reports by mail, but must download an application form from the Web site, fill it out and mail it to: Annual Credit Report Request Service, P.O. Box 105283, Atlanta, GA, 30348-5283. The credit bureaus might call to verify your identity. We will be glad to mail our clients the form at no charge, or a friend can download it.
Errors in credit reports are common! YOU can get them fixed. The procedure for getting errors corrected should be obtained directly from the credit reporting companies:
DO NOT use a "Credit Fixing" service. These are usually fraudulent
FICO scores aren't included for free!! Your "FICO" score is provided by ONLY Equifax if you pay $14.95. Experian & TransUnion both charge about the same, but do not provide the actual FICO score. Suzy Orman says they give a "Fake-O Score." Your actual FICO score is used by at least 75% of new mortgage lenders, and about 40 out of the largest 50 banks in the US.
You can only make one free report request per company every 12 months.
It will take about 15 days to process phone and mail requests.
If you use the online request site, you will be asked for personal information so the credit agencies can match them accurately with their reports. This will include name, date of birth, address and other information that only you should know.
Examples of what you should look for:
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Material Copyright © 2006 James E Reynolds CPA