TO OBTAIN A FREE CREDIT REPORT YOURSELF...

The 2003 Fair & Accurate Credit Transactions Act (FACTA) has a Provision Permitting anyone in the Nation to have Access to One Free Credit Report Each Year from Each of the 3 Credit Bureaus (Experian, Equifax, & Trans Union).

3 Ways to Request a Free Credit Report:

  
1. Call Toll Free: 1-877-322-8228   (or)
                             2. Go to Web Site: 
www.annualcreditreport.com  (or)
                                  3. By Mail: Annual Credit Report Request Service,         
                                               P.O.  Box 105281, Atlanta, GA 30348-5281

The Request Must Include....

1. Your Full Name including a middle initial or Jr., Sr
2. Address
3. Social Security Number
4. Date of Birth
5. Specify which company's report you want (Experian, Equifax, or Trans Union)

(YOU CAN GET ALL THREE AT ONCE OR SPACE THEM OUT BY GETTING ONE EVERY FOUR MONTHS. IF YOU STAGGER YOUR FREE REPORTS THROUGH THE YEAR, YOU WILL GET JUST ABOUT THE SAME SERVICE A CREDIT REPORTING SERVICE PROVIDES FOR A FEE.)

A FEW TIPS & WARNINGS...
THE LAW DOESN'T MANDATE A FREE CREDIT SCORE, THE 3-DIGIT NUMBER THAT SUMMARIZES YOUR RECORD...

THE CREDIT AGENCIES WILL TRY AND SELL YOU A SCORE AND/OR MONTHLY MONITORING SERVICES. (PRICES FOR ONLINE CREDIT SCORES RUN ABOUT $5-$7)...

STARTING 8/1/05 MORTGAGE LENDERS & BROKERS DO HAVE TO DISCLOSE YOUR SCORES IF THEY USE THEM...

BEWARE OF MISLEADING NAMED SITES OFFERING A "FREE CREDIT REPORT" WHICH MAY BE A FREE TRAIL PITCH FOR A MONTHLY FEE BASED SERVICE...

~BE AWARE~
THERE IS ONLY 1 CENTRAL SOURCE FOR THE FREE CREDIT REPORTS,    1 PHONE NUMBER, 1 WEB SITE, 1 ADDRESS.


Joann Scaduto
Joann Scaduto
Realtor