Credit score Topeka

Materials other than those clearly marked as National Archives materials are not in the public domain. The Northeast, the last region of the country to be entitled to yearly free credit credit score Topeka reports, became eligible on September 1.

Effective that date, under the Fair and Accurate Credit Transactions Act (FACT Act) everyone in the country is finally entitled to access their credit score Topeka credit information once a year from each of the three major credit reporting companies (Equifax, Experian, TransUnion). This credit score Topeka right has been rolled out on a regional basis since January, 2005. Since we have been bugging you since very early this year about the importance of obtaining at least one if not all three reports each year, credit score Topeka it is our responsibility to now issue some warnings about the practice.

So far as we know, there is absolutely no problem with ordering a credit report through the channels set up by the Federal Trade Commission in compliance with the Congressional mandate to receive these reports. how to obtain a free credit report

Feel free and safe when you click on www.ftc.gov (which provides a link to the official site) credit score Topeka or www.annualcreditreport.com to order your free credit report. To order by phone call 877-322-8228 or by mail print out the form available on anualcreditreport.com and mail to Annual Credit Report Request Service, P.O.

Although we still agree with experts that you should order one report every four months; first from either Equifax, Experian, or TransUnion, and then from the remaining companies at four month intervals even obtaining one or two reports a year will enable you credit score Topeka to monitor and prevent occasions of identity theft or credit score Topeka to detect and eliminate errors on your credit report. fact act free credit report However, like everything on the credit score Topeka Internet, there are potential risks. First, the Internet carries hundreds if not thousands of free credit report offers from mortgage officers, credit counselors, and from people whose real occupation you do not want to know. Some of these websites provide some valuable services to you such as quick quotes on mortgages or assistance in obtaining one, but credit score Topeka the risk of supplying information about your Social Security numbers, bank account, or other sensitive information is simply too risky to describe. Do credit score Topeka not request a free credit report from any of these sites! Sandra Block, writing in USA TODAY a few weeks ago reported on problems even within the approved free report universe. Experian, one credit score Topeka of the three major credit reporting agencies recently agreed to pay close to $1 million to settle charges levied by the FTC that it had lured consumers through credit score Topeka the offer of free credit reports into paying $80 billed automatically on the consumer's credit card; apparently an undisclosed fee for subscribing to the company's credit monitoring service. triple credit report free The many web sites that offer free credit reports are probably mostly benign.