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A New Year - Time to Order Your Free Credit Reports

Happy New Year! Thanks to the Fair and Accurate Credit Transactions Act (F.A.C.T. Act), the three largest credit reporting agencies, Equifax, TransUnion and Experian are required to provide you with a free copy of your credit report once a year. Most commonly your credit report will list your identification and employment data, payment history on your accounts, and public record information (i.e., bankruptcies, foreclosures, court judgments).

By ordering your free credit report from each of the three largest credit reporting agencies once a year you will be able to keep track of your credit which will assist you in keeping a good credit rating in addition to preventing identity theft. The credit reporting agencies sell the information in your report to creditors, insurers, employers and other entities that use it to evaluate your applications for credit, insurance, employment and other purposes. You need know the information on your credit report to correct any errors within the report and if someone has been using your identity. Correcting errors on your credit reports will result in a better credit rating which will make you more attractive to prospective lenders. It is very important that you take the time to request a free credit report from each of the three credit reporting agencies.

There are now three ways to order your free credit report:

- www.annualcreditreport.com
- Call 877-322-8228
- Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348

If you find an error on your report you should fill out a dispute form or write a letter explaining the error and attach any supporting evidence. The agency has thirty days to investigate your claim. If the error has been corrected, the agency will provide you with a new report showing that the error has been revised. If the problem is not resolved, you can then submit a written statement of up to 100 words explaining your side of the dispute. By reviewing your credit reports at least once a year, you will make sure that the information others rely upon in making decisions concerning your credit worthiness is accurate and complete.

Epstein, Lipsey & Clifford, P.C. is pleased to provide you this information and hope that you find it informative. If you have any questions or concerns, do not hesitate to contact our office.

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