Free Annual Credit Report & Scores
- View your complete financial credit history & public records information in an
easy to read format.
- Confirm all of your payments have been properly reported and credited by the major credit bureaus. Misinformation can be common and cost thousands of dollars annually in higher interest rates from lenders. *www.annualcreditreport.com
- View any bankruptcy records, wage attachments or possible liens issued in your name.
- Access any monetary filings such as past evictions, overdue child support payments, foreclosures or fall behind on lease payments.
- See what your creditors, insurers, landlord and employer see when they judge your overall credit worthiness and financial stability. Employers for instance can check your annual credit report & it's important that you do as well.
- Receive assistance improving your credit through individual credit trending information and personalized debt analysis.
* An improved credit report rating can mean lower interest rates and better financing terms on mortgages, car loans and credit cards.
It's your right as an annual credit report consumer -
- Safeguard yourself from identity theft and fraud. Confirm no one has access to your personal accounts with retailers, banks, credit issuers, utility companies and lenders.
- Your Annual Credit Report offers real time assistance pointing out negative items and inaccuracies. You can now dispute false items with a click of a button.
The 2017 Free Annual Credit Report Form Can Be Viewed Below. *Only united states consumers can review their credit report as calculated from all 3 reporting agencies.
The Reality About Identity Theft and Credit Fraud
Unfortunately, Identity theft is here to stay. Educating yourself about identity theft is your first line of defense. It's your identity, your life and your credit at stake. We're living in the information age and your information is out there just waiting to be stolen.
For the seventh straight year, the Federal Trade Commission (FTC) Official Site reports identity theft as the largest consumer complaint and the fastest growing crime in America. Most identity theft victims never know their identity has been stolen until they get phone calls and letters from collections agencies or even the IRS telling them they owe money.
The reality: Fixing your identity is a nightmare. It should seem easy and straightforward but it's not. An average victim spends 300-600 hours to simply prove they're not a thief.It's sad but true - if you're a victim of identity theft, creditors consider you guilty until you can prove you're innocent.
Some quick and easy things you can do for identity theft protection are:
- - Use Free AnnualCreditReport.com yearly
- - Opt out of any unsolicited credit card offers
- - Consider Putting fraud alerts on your annual credit report
- - Use ID theft monitoring from all 3 reporting agencies
- - Buy a shredder and use it!