The free annual credit report has already made a turn in court. Somehow the meaning of the word "free" is very difficult to understand for some people.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.You should ask yourself the following questions to see if you are fully informed about your free credit report:
How do you order your free credit report?
What information do you need to provide to get your free credit report?
Why would you want a copy of your free credit report?
How long does it take to get your free credit report after you order it?
Are there any other situations where you might be eligible for a free credit report?
Should you order a free credit report from each of the three nationwide consumer reporting companies?
What if you find errors – either inaccuracies or incomplete information – in your free credit report?
What can you do if the consumer reporting company or information provider won't correct the information you dispute in your free annual credit report?
How long can a consumer reporting company report negative information?
Can anyone else get a copy of your free annual credit report?
Can your employer get your free annual credit report?
Learn how to make extra money so you don't need a credit report
The internet can change your financial situation very quickly if you know what to do.
Free Credit Reports Are Available (San Diego Union-Tribune) There are so many offers online to get a ?free? credit report. All you have to do is sign up for some service that costs $35.95 a year! The truth is that everyone is entitled to a free credit report once a year.
New Arizona Law On Credit Freezes Taking Effect (KTAR 92.3 Phoenix) PHOENIX - Arizona consumers are gaining a new shield from identify theft: the ability to impose low-cost freezes on their credit reports. A new state law taking effect Sunday adds Arizona to more than 40 other states with similar laws restricting access to credit reports.
Credit-Card Rage (BusinessWeek Online Via Yahoo! News) David Giantomasi says he vigilantly paid his credit-card bills each month. Even if he could only make the minimum payment, he made sure to get all his monthly payments squared away. So he was shocked when the interest rate on his Chase credit card suddenly jumped to 19.99% from 7.99%. When Giantomasi called the card issuer to demand an explanation, he was enraged. He was told that overall ...
