Free Credit Reports
Yesterday Joanne blogged about identity theft. One way to monitor your credit history for suspicious activity is to request a copy of your credit report each year.
The Fair Credit Reporting Act (FCRA) requires that each of the three nationwide credit reporting companies - Equifax, Experian and TransUnion - provide you with a free copy of your credit report upon your request every 12 months. You can request your reports online, via a toll-free phone number or by mail.
Beware of imposter websites! This is the only authorized website to request your credit reports!
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
For more information about getting free credit reports, read the FTC's publication Your Access to Free Credit Reports.