Free Credit Reports
Thanks to the Fair and Accurate Credit
Transactions (FACT) Act of 2003, consumers now have a new tool to obtain
their credit report. The FACT Act guarantees every consumer the
right to one free credit report annually from each of the three
main credit bureaus. There are a number of look alike sources
for getting a free credit report, but most have strings
attached, such as expensive credit monitoring and alert
services.There is only one source for
the free credit reports mandated by Congress. This is the
information for the service:
Website:
www.annualcreditreport.com
Telephone:
(877) 322-8228
Mail:
Annual Credit Report Request Service
PO Box 105281
Atlanta, GA 30348-5281
* For all mail requests, you will
need to send in the completed
request
form.
The free credit
report does not include a credit score. Each credit
bureau charges an additional fee for the score. Due to the
frequency of price changes, we cannot accurately list them here.
Consumers should also understand that the consumer credit score
products marketed by the credit bureaus are not the same credit
score that lenders see (See
Consumer Credit Scores Are Not Actual Credit Scores).
Additionally, we
have recently benefitted from a partnership with another
nonprofit charity that allows for you to receive free credit
reports and scores if you believe that you might be interested
in buying a home in the next 3 years. For your free credit
scores and free homeownership analysis from Freddie Mac, request
your
homeownership evaluation today.
© 2004-2010 Vision Credit Education, Inc. All rights reserved.
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