We hope your holidays were wonderful. Now that all the holiday spending is hitting your credit card statement, it is a good time to check those credit reports.
The Fair Credit Reporting Act (FCRA) requires each of the nationwide credit reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. Here is a link to the Federal Trade Commission website: http://www.consumer.ftc.gov/articles/0155-free-credit-reports
To get your credit report online visit this site: https://www.annualcreditreport.com/index.action
Click on “request your free credit report.”
Since you get 1 report each year from each reporting company my suggestion is to spread them out during the year. For example, request Equifax in January, Experian in May, and TransUnion in September. That way you can see any changes made throughout the year.
If you would rather make the request by mail , print and complete the attached Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. Again, I would print 3 copies and make separate requests throughout the year.
Review each report for inaccuracies or incomplete information and follow the supplied instructions on how to get these corrected.
Please call me if you have any questions on this information.