Free credit report mailed
You're referring to the free annual credit reports that are available to consumers through the Federal Trade Commission (FTC) and the three major credit reporting agencies: Equifax, Experian, and TransUnion.
Here's what you need to know:
What is the free credit report program?
The Fair Credit Reporting Act (FCRA) requires each of the three major credit reporting agencies to provide you with a free copy of your credit report once every 12 months. This program is designed to help you monitor your credit and detect any errors or inaccuracies on your report.
How do I get my free credit report?
You can request your free credit report online, by phone, or by mail. Here are the steps:
- Online: Visit AnnualCreditReport.com, the official website of the FTC, and follow the prompts to request your free credit report.
- Phone: Call 1-877-322-8228 to request your free credit report.
- Mail: Fill out the request form on the AnnualCreditReport.com website and mail it to the address listed on the form.
What information will I receive?
When you request your free credit report, you'll receive a copy of your credit report from one of the three major credit reporting agencies. The report will include:
- Your personal information, such as your name, address, and Social Security number
- A list of your credit accounts, including credit cards, loans, and mortgages
- Your credit history, including payment history, credit limits, and credit utilization
- Any public records, such as bankruptcies, foreclosures, or tax liens
What if I find errors on my credit report?
If you find errors or inaccuracies on your credit report, you can dispute them with the credit reporting agency. You can also contact the creditor that reported the error to correct the issue.
Remember, your free credit report is only available once a year, so be sure to request it and review it carefully to ensure your credit information is accurate and up-to-date.