Free Annual Credit Report
Under the Fair and Accurate Transaction (FACT) Act, at your request,
Equifax, and each of the other 2 major credit reporting agencies,
Experian and TransUnion, will provide you with one free credit report
every 12 months.
Free Annual Credit Report
- Visit annualcreditreport.com OR
- 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
Note: Credit report disclosures do not
include credit scores. Your credit score disclosure must be purchased
separately. However, you can request to purchase your credit score
disclosure when you request your free annual credit file disclosure.
Free Annual Credit Report
- Personal information: Compiled from credit applications you completed in the past, this information normally includes your name, current and recent addresses, Social Security Number, date of birth and current and previous employers.
- Credit history: The bulk of your credit report
consists of details about credit accounts that were opened in your name
or that list you as an authorized user (such as a spouse's credit card).
Account details are supplied by creditors with which you have an
account include:
- The date the account was opened, the credit limit or amount of the loan, the payment terms, the balance, and a history that shows whether or not you've paid the account on time.
- Depending on the manner in which they were paid, closed or inactive accounts stay on your report for 7 to 11 years from the date of their last activity.
- Inquiries: Credit reporting agencies record an inquiry whenever your credit report is shown to another party, such as a lender, service provider, landlord, or insurer. Inquiries remain on your credit report for up to two years.
- Public records: Matters of public record obtained from goverment sources such as courts of law - including liens, bankruptcies, and overdue child support - may appear on your credit report. Most public record information stays on your credit report for 7 years.
Free Annual Credit Report
Free Annual Credit Report
http://www.equifax.com/answers/request-free-credit-report/en_cp
Free Annual Credit Report
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