Free Annual Credit Reports

You are entitled to a copy of your credit report each year.

You can order the reports on line, but be very careful that you use this exact address:

https://www.annualcreditreport.com/cra/index.jsp The are sites that are similar and can cause you to give your private information to identity thieves.

I prefer and advise that you write a letter or call each of the three main credit repositories.

They are:

Equifax Credit Information Services 

PO Box 740241 Atlanta, GA 30375  By phone: 1-800-216-1035,

http://www.econsumer.equifax.com/equifax.app/Welcome

TransUnion Corporation

PO Box 390 Springfield, PA 19064-0390 By phone: 1-800-888-4213

http://www.transunion.com/CreditReport/

Experian

ATTN: NCAC

PO Box 949 Allen,  TX 75002 By phone: 1-888-397-3742

http://www.experian.com/consumer/index.html

I prefer to have the written reports mailed to my clients because they are easier to read.

It is important to get your reports every year to review what is on each one. 72% of credit reports contain errors and of that 72%, twenty-five percent of those will cause a borrower to be declined on a loan.

Obtaining your annual credit reports is essential to protect your credit profile from identity theft. Check out www.CreditFitness.net for more information.