Free Annual Credit Report-Summary Of Financial History
According to the FCRA requires all the nationwide consumer companies that are Equifax, Experian, and TransUnion to provide the consumers with a free copy of the Annual credit report, at the request, once in every 12 months. The FCRA promotes the accuracy and privacy of information in the files of the nation’s consumer companies. The Federal Trade Commission (FTC) which is the nation’s consumer protection agency has enforcement on FCRA with respect to all the consumer reporting companies.
Your free annual credit report includes the information related to you like where do you live which may be your residential address, how do you make the bills payment, and whether you’ve ever been sued or arrested, or have you ever filed for bankruptcy. These consumer companies listed above send the information in the report to creditors around the world, insurers as well as employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or even renting a home.
The three companies have set up a toll-free telephone number, a central website and also a mailing address through which you can order your free annual report. To order call 1-877-322-8228, or complete the request form and mail it to on the mailing address that is, P.O. Box 105281, Atlanta, GA 30348-5281. The form can be found on the back of the brochure; or you can even print it from the website. One does not need to contact the three nationwide companies individually. Better not to order the reports from each of the three nationwide companies at the same time as the law allows you to order only one free copy from each of the nationwide companies every 12 months.
One just need to provide its name, address, date of birth and Social Security number. If one has moved to a new place in the last two years, then one must provide its previous address also. For the security purpose of the confidential file, each nationwide company sometimes ask for some additional personal information that only you would know, questions can be like the amount of your monthly mortgage payment. There can be other kind of personal information also.
Summary
The FCRA promotes the accuracy and privacy of information in the files of the nation’s consumer companies. The Federal Trade Commission (FTC) which is the nation’s consumer protection agency has enforcement on FCRA with respect to all the consumer reporting companies. One just need to provide its name, address, date of birth and Social Security number.
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