Credit Report and Identity Theft

Time to check your credit reports? Check your credit reports from the three main consumer credit reporting agencies.

A lot of people don???t understand the seriousness of taking the necessary precautions to prevent identity theft or fraudulent charges on their credit report,

The federal government passed a law that all credit reporting agencies provide one free credit report per year, per person. So it won???t cost a thing to access your credit report./
Once you receive your report, you can check for I.D. theft as well as bills that aren't yours.. So, if they have suspicious charges on their report they can take appropriate action as soon as possible.

Obtaining and carefully checking your credit report with safeguard you from identity theft .

You should obtain a credit report once a year to check for possible identity theftt and accuracy of your purchases. Your credit score will effect interest rates and even qualifying for loans, so don't be embaressed by a faulty score when obtaining a loan.

The three national credit bureaus are Equifax, TransUnion and Experian. Each produce the same numerical credit report score.

To obtain a copy of your credit report, you must provide the following in writing:
1) Full name, including any previous names
2) Current address
3) Previous address (if needed for five-year credit history)
4) Social Security number
5) Date of birth
6) Signature.




Remember, you are entitled to a free credit report once a year. Be vigilient, check for identity theft and inaccurate reporting.

Your credit report effects you in many ways, don't become an identity theft statistic.