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Other Helpful Credit Resources for Your Credit Needs
Federal Trade Commision FTC
The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. The FCRA promotes the accuracy and privacy of information in the files of the nation’s consumer reporting companies. The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the FCRA with respect to consumer reporting companies.
A credit report includes information on where you live, how you pay your bills, and whether you’ve been sued or arrested, or have filed for bankruptcy. Nationwide consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home.
U.S. Financial Literacy and Education Commission
Title V of the Fair and Accurate Credit Transaction Act (FACT Act) established the Financial Literacy and Education Commission (Commission) with the purpose of improving the financial literacy and education of persons in the United States. To reach the widest number of people possible, the Commission established a website and a toll-free telephone number (1-888-MYMONEY) to coordinate the presentation of educational materials from across the spectrum of federal agencies that deal with financial issues and markets.
Financial Literacy and Education Commission Member Agencies
The Fair Credit Reporting Act (FCRA) requires that the nationwide consumer reporting companies — Equifax, Experian, and TransUnion provide you with a free copy of your credit report, at your request, once every 12 months.
A credit report includes information on where you live, how you pay your bills, if you've been sued, arrested, or filed for bankruptcy. Nationwide consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home.
Need to order a free credit report?
You can order by calling 1-877-322-8228, or by completing the Annual Credit Report Request Form and mailing it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
Make sure you provide your name, address, Social Security number, and date of birth when you are ordering a credit report. They may ask you to provide some information that only you would know, like the amount of your monthly mortgage payment.
Protect your credit with the most in-depth identity protection plan. Monitoring your credit reports for changes is one of the best ways to protect yourself from identity theft. 3-in-1 Credit Monitoring makes it easy for you to monitor all 3 of your nationwide credit reports by alerting you within 24 hours of key changes. Protect your credit and ensure the accuracy of what’s being reported about you in all 3 nationwide credit reports. Includes up to $1,000,000 identity theft Insurance. Get more information about 3 in 1 credit monitoring.
See what others see in your credit report! Lenders, landlords, car dealers, – they all can know your FICO® score in your credit report, and so can you. FICO® is the same score that lenders use most to qualify you for credit. And it often determines both the credit amount and the interest rate you receive. Do you know your credit score?
The three nationwide consumer reporting companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report.
To order, visit annualcreditreport.com, 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. The form is on the back of this brochure; or you can print it from ftc.gov/credit. Do not contact the three nationwide consumer reporting companies individually. They are providing free annual credit reports only through annualcreditreport.com, 1-877-322-8228, and Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
You may order your reports from each of the three nationwide consumer reporting companies at the same time, or you can order your report from each of the companies one at a time. The law allows you to order one free copy of your report from each of the nationwide consumer reporting companies every 12 months.
