Understanding How the Fair Credit Reporting Act Helps You
The Fair Credit Reporting Act (FCRA)has been created to protect the particular legal rights of consumers. Are you aware of the stipulations of the FCRA?Understanding your own rights and also limits can help you prevent bad credit or even enhance your personal credit. In this informative article, let us take a closer look at a few of these stipulations. Free Annual Credit Report Under the FCRA,all consumers are eligible for get one totally free credit report coming from each credit reporting company annually. The three major credit bureaus (Experian, Equifax, TransUnion) create an official website where customers may obtain their free annual credit report. You could possibly get all your three reports simultaneously or perhaps order one copy at a time all year round. To obtain your own free report, go to www.annualcreditreport.com or even print out the Annual Credit Report Request Service form in the FTC'swebsite (ftc.gov/credit) and also send it by way of post mail to Annual Credit Report Request Service, P.O.Box 105281,Atlanta, GA30348-5281. You also can request by means of telephone by calling this toll-free number, 1-877-322-8228. You'll be asked to provide personal information for example your name, address, Social Security Number, as well as date of birth. Hence, it is very important to make certain that you are on the official website whenever requesting for to your free online credit report. Instead of clicking on a link, it is recommended that you manually type the web address(http://www.annualcreditreport.com) in the addressbar of your browser. Read More: Understanding How the Fair Credit Reporting Act Helps You