I was reading an article and I thought I should relay some important information that could help those in need of a credit report. After my recent identity theft episode, I am very interested in this story.
The three ways are as follows:
1. You can call this toll free number:1-877-322-8228
2. You can go to a website and access the information on this website: annualcreditreport.com
I suggest that you copy and paste this link because if you misspell this web address, you could be led to a free credit report impostor. So Copy and paste if you use this method.
3. You can fill out a form and send out your request through regular mail.
The free credit reports are a result of a FTC ruling under the Fair Accurate Credit Transaction Act. Under this ruling, the three major credit reporting agencies (Equifax, Experian, and Transunion) are each required to provide consumers with a free copy of their credit reports once every 12 months.
This program is only available in the west and Midwest at the moment. This program is rolling our region by region and should be available in all states by September 1 2005.
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.