Some Facts About Free Annual Credit Reports
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Before setting out to process your application for the free annual credit report, you should be aware of the following facts,
You should beware of cheats; know that any other website apart from annualcreditreport.com that says they can give you your free annual reports are fake and fraudulent. This is because only the above mentioned website has been set aside for that purpose by the three nationwide consumer companies. Beware also of anyone sending you email or calling you claiming to be from the Consumer reporting Companies.
If your free annual credit report is sent to you with an error in the data reported, do not hesitate to write back to the consumer company making them aware of the mistakes, because the Fair and Accurate Credit Transactions law backs you up. In this case, the consumer company will in turn inform the information provider company or individual, this will be scrutinized and the results will be forwarded to the consumer company and then to you with the necessary changes in place if an error was actually made. The company will then issue another free copy of the annual credit report with the changes in place. They also will go ahead to inform the other consumer companies of the chances made to your data.
But if the wrong information was not corrected, simply ask the consumer company to attach a copy of your complaint to your file for further references. You can also pay them to provide a copy of your unanswered query to any one they’ve sent that data to. This will show that you complained about that particular issue and that it is questionable.
Also note that no other person has the access to your free annual credit report apart from your creditors, insurance company, employer or any other financial institution. But, you have to give a written approval to the consumer companies before they can send your report to your employer.
These are important facts you should know about the free annual credit report. Since this report is necessary to know our credit level and the amount of money we can borrow and what to pay back. We should be careful with the whole process so as to avoid a theft of identity or any other problem.
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