Question: I’ve been hearing a lot about Identity Theft. How would I go about obtaining a copy of my credit report to make sure it contains correct information?
Answer: Federal law requires that each of the three reporting agencies (Equifax, Experian, and TransUnion) give you a free credit report every 12 months, upon request.
You can order your free report from
www.AnnualCreditReport.com, a site authorized by the Federal Government. You usually get the report immediately by ordering online. You may also make a request by phone or mail. This could take up to 15 days.
To request your report by phone, call 1-877-322-8228 and there will be a simple verification process. To request your report by mail, download the request form, print it and mail it to:
Annual Credit Report Request Service
PO Box 105281
Atlanta, GA. 30348-5281
Please be advised that these reports do not include your credit score. It contains all the information that a credit reporting agency has gathered about you.
