Free credit report colorado9/22/2023 ![]() ![]() Why do I want a copy of my credit report? Each company may ask you for different information because the information each has in your file may come from different sources. To maintain the security of your file, each nationwide consumer reporting company may ask you for some information that only you would know, like the amount of your monthly mortgage payment. If you have moved in the last two years, you may have to provide your previous address. You need to provide your name, address, Social Security number, and date of birth. What information do I need to provide to get my free report? Forward any such email to the FTC at to Top If you get an email, see a pop-up ad, or get a phone call from someone claiming to be from or any of the three nationwide consumer reporting companies, do not reply or click on any link in the message. Some of these “imposter” sites direct you to other sites that try to sell you something or collect your personal information.Ī and the nationwide consumer reporting companies will not send you an email asking for your personal information. Some “imposter” sites use terms like “free report” in their names others have URLs that purposely misspell in the hope that you will mistype the name of the official site. If you don’t cancel during the trial period, you may be unwittingly agreeing to let the company start charging fees to your credit card. For example, some sites sign you up for a supposedly “free” service that converts to one you have to pay for after a trial period. ![]() In some cases, the “free” product comes with strings attached. Other websites that claim to offer “free credit reports,” “free credit scores,” or “free credit monitoring” are not part of the legally mandated free annual credit report program. ![]() Only one website is authorized to fill orders for the free annual credit report you are entitled to under law. The law allows you to order one free copy of your report from each of the nationwide consumer reporting companies every 12 months. 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. They are providing free annual credit reports only through, 1-87, and Annual Credit Report Request Service, P.O. Do not contact the three nationwide consumer reporting companies individually. The form is on the back of this brochure or you can print it from ftc.gov/credit. To order, visit, call 1-87, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. 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. Here are the details about your rights under the FCRA and the Fair and Accurate Credit Transactions (FACT) Act, which established the free annual credit report program. 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. The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the FCRA with respect to consumer reporting companies.Ī 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. The FCRA promotes the accuracy and privacy of information in the files of the nation’s consumer reporting companies. ![]() 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. How do I order my free report? A Warning About “Imposter” Websites What information do I need to provide to get my free report? Why do I want a copy of my credit report? How long does it take to get my report after I order it? Are there any other situations where I might be eligible for a free report? Should I order a report from each of the three nationwide consumer reporting companies? Should I order my reports from all three of the nationwide consumer reporting companies at the same time? What if I find errors - either inaccuracies or incomplete information - in my credit report? What can I do if the consumer reporting company or information provider won’t correct the information I dispute? How long can a consumer reporting company report negative information? Can anyone else get a copy of my credit report? Can my employer get my credit report? For More Information In Espanol Click on the topic you wish to learn about. ![]()
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