How To Get A Free Credit Report

 

Did you know that you can get a free credit report?

Here is an excellent article that gives simple directions on how to get your free credit report…. keep reading.

The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. The FCRA promotes the accuracy and privacy of information in the files of the nation’s consumer reporting companies. The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the FCRA with respect to consumer reporting companies.

A credit report includes information on where you live, how you pay your bills, and whether you’ve been sued or arrested, or have filed for bankruptcy. Nationwide consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home.

Here are the details about your rights under the FCRA and the Fair and Accurate Credit Transactions (FACT) Act, which established the free annual credit report program.

Q: How do I order my free report?

A: The three nationwide consumer reporting companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report.

To order, visit annualcreditreport.com, call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. The form is on the back of this brochure; or you can print it from ftc.gov/credit. Do not contact the three nationwide consumer reporting companies individually. They are providing free annual credit reports only through annualcreditreport.com, 1-877-322-8228, and Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

 

Visit www.101-credit-debt-finance.com for more info on Credit Reports.

How to Stop Debt Collectors From Calling You, the Legal Way!

Here is an excellent way to stop debt collection companies from calling you.

According to this updated article from the FTC it states that as long as you have a dispute in writing, by law the debt collector must stop calling you until the dispute has been verified in writing.

So if you are trying to payoff any of your credit cards, loans or retail credit accounts you are protected from the annoying telephone calls!

Just be sure that you are in dispute with the creditor or credit reporting agency. How do you do that?

Call your creditors of any inconsistencies or inaccuracies and submit your dispute. The same goes for the credit reporting agencies. There are always inaccurate information that needs to be clean up because of the transfer of information from human error.

Read this short report for clarity on stopping your creditors from calling you:

• For Your Information: October 9, 2007
  FTC Advisory Opinion: Debt Collectors May Inform Consumers That Collection Efforts Have CeasedThe Federal Trade Commission has issued an advisory opinion clarifying when the Fair Debt Collection Practices Act allows a debt collector to notify a consumer that it has ceased trying to collect a debt.

....Then get you credit report here: Get Equifax Score Watch Now!


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