Your individual credit report is one of the most important gauges of your financial health. It is a summary of your financial reliability, telling lenders about your history of paying bills, and is used by them to decide whether to loan you money and how much to loan.
A new law makes it easier than ever to access your credit report and to change any errors it might contain, a major step toward establishing and maintaining your good credit and preventing identity theft. The Fair and Accurate Credit Transactions Act (FACT Act) assures you free access to your credit report annually from each of the three credit reporting agencies: Equifax, Experian and TransUnion.
To obtain your free credit reports contact:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281