Periodically reviewing your credit information is one of the best ways to defend against incorrect information or even Identity theft. And the good news is that as a consumer, you are actually entitled to a free report yearly. Here's the official scoop, according to the Federal Trade Commission:
The Fair Credit Reporting Act (FCRA) requires that each of the nationwide credit reporting companies — Equifax, Experian, and TransUnion —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 credit reporting companies. The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the FCRA with respect to credit reporting companies.
The three nationwide credit 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. You may order your reports from each of the three nationwide credit 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 credit reporting companies every 12 months.
To order, visit annualcreditreport.com,
. 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. Do not contact the three nationwide credit reporting companies individually. They are providing free annual credit reports only through annualcreditreport.com, 1-877-322-8228 or mailing to Annual Credit Report Request Service.
Source: United States Federal Trade Commission, www.ftc.gov