Request a credit report South Dakota

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

So far as we know, there is absolutely no problem request a credit report South Dakota 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. Feel free and safe when you click on www.ftc.gov (which provides a link to the official site) 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. nys free credit report

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 request a credit report South Dakota obtaining one or two reports a year will enable you to monitor and prevent occasions of identity theft or to detect and eliminate errors on your credit report.

However, like everything on the Internet, there are potential risks. First, the Internet carries hundreds if not thousands request a credit report South Dakota 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 the risk of supplying information about your Social Security numbers, bank account, or other sensitive information is simply request a credit report South Dakota too risky to describe. get free credit Do 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 of the three major credit reporting agencies recently agreed to pay close to $1 million to settle charges levied request a credit report South Dakota by the FTC that it had lured consumers through the offer of free credit reports into paying $80 request a credit report South Dakota billed automatically on the consumer's credit card; apparently an undisclosed fee for subscribing to the company's credit monitoring service.

The many web sites that offer free credit reports are probably mostly benign. But do you need to have your personal information and especially your Social Security number floating out there among so many unknown parties? Hardly seems necessary where there is a relatively secure (well yes, there is that Experian thing) government sponsored web site. Block, there is what she calls "imposter sites" that strive to "hijack" consumers looking for those free credit report. These sites tend to use domain names that are close approximations of the legitimate web site names to hook people using search engines or who key in typos while accessing the real site. check report online free credit report Researchers for the World Privacy Forum found 112 sites in June that were using close derivatives of the "annualcreditreport" request a credit report South Dakota name. These sites were the scary ones, phishing for private information to create mailing lists or to request a credit report South Dakota provide the basis for identity theft.