Credit reporting agencies Colorado

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. Q: How do I order my free report? credit reporting agencies Colorado A: The three nationwide consumer reporting credit reporting agencies Colorado companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your credit reporting agencies Colorado free annual report. To order, visit annualcreditreport.com, call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. The form is on the back of this brochure; or you can print it from ftc.gov/credit. Do not contact the three nationwide consumer reporting companies individually. They are providing free annual credit reports only through annualcreditreport.com, 1-877-322-8228, and Annual Credit Report Request Service, P.O. You may order credit reporting agencies Colorado your reports from each of the three nationwide consumer reporting companies at the same time, or you can order your report credit reporting agencies Colorado from each of the companies one at a time. The law allows you credit reporting agencies Colorado to order one free copy of your report from each of the nationwide consumer credit reporting agencies Colorado reporting companies every 12 months. order free credit reports A Warning about "Imposter" Websites Only one website is authorized to fill orders for the free annual credit report you are entitled to under law - annualcreditreport.com. Other websites that claim to offer "free credit reports," "free credit scores," or "credit reporting agencies Colorado free credit monitoring" are not part of the legally mandated free annual credit report program. In some cases, the "free" credit reporting agencies Colorado product comes with strings attached.

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.

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. Some "imposter" sites use terms like "free report" in their names; others credit reporting agencies Colorado have URLs that purposely misspell annualcreditreport.com credit reporting agencies Colorado in the hope that you will mistype the name of the official site. card credit report

Some of these "imposter" sites direct you credit reporting agencies Colorado to other sites that try to sell credit reporting agencies Colorado you something or collect your personal information. Annualcreditreport.com and the nationwide consumer credit reporting agencies Colorado reporting companies will not send you an e-mail asking for your personal information.

If you get an e-mail, see a pop-up ad, or get a phone call credit reporting agencies Colorado from someone claiming to be from annualcreditreport.com or any of the three nationwide consumer reporting companies, do not reply or click on any link in the credit reporting agencies Colorado message. Forward any such e-mail to the FTC at spam@uce.gov.

What information do I need to provide to get my credit reporting agencies Colorado free report? A: You need to provide your name, address, Social Security number, and date of birth.

If you have moved in the last two years, you may have to provide your previous address.

To maintain the security of your file, each nationwide consumer reporting credit reporting agencies Colorado company may ask you for some information that only you would know, like the amount of your monthly mortgage payment. Each credit reporting agencies Colorado company may ask you for different information because the information each has in your file may come from different sources. free credit report three bureau Why do I want a copy of my credit report? A: Your credit report has information that affects whether you can get a loan - and how much you will have to pay to borrow money. You want a copy of your credit report to:

make sure the information is accurate, complete, and up-to-date before you apply for a loan for a major purchase like a house or car, buy insurance, or apply for a job. That's when someone uses your personal information - like your name, your Social Security number, or your credit card number - to credit reporting agencies Colorado commit fraud. Identity thieves may use your information to open a new credit card account in your name. Then, when they credit reporting agencies Colorado don't pay the bills, the delinquent account is reported on your credit report.