Using Your Free Credit Report
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1 Using Your Free Credit Report 5 minutes 3 times per year 2/2, 6/6, 10/10
2 Logging In State of residence Past address if < 2 years Image with letters: e.g. LGHA7Y All CAPs Pick A Bureau Can only do each one once every 12 months Request your free annual credit report. It's QUICK, EASY and SECURE. START HERE to view and print your credit report now. Fight identity theft by monitoring and reviewing your credit report. You may request your free credit report online, request your report by phone or request your report through the mail. Free credit reports requested online are viewable immediately upon authentication of identity. Free credit reports requested by phone or mail will be processed within 15 days of receiving your request. This site is sponsored by: This central site allows you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion. AnnualCreditReport.co m is the official site to help consumers to obtain their free credit report. We guard your privacy. Please be aware of how you arrived at this site. To ensure that you are visiting the legitimate site, typehttps:// rt.comdirectly into the address bar on your browser. You will never receive an directly from the Annual Credit Report Request Service. For further informati on please read the Security Policy Central Source LLC Privacy PolicySite Use Security Policy
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4 Your Verification Your credit file indicates you may have a mortgage loan, opened in or around June Who is the credit provider for this account? HOMELAND FINANCIAL OLD KENT MORTGAGE SUNBELT NATIONAL MORTGAGE UNIVERSITY OF WISCONSIN SYSTEM NONE OF THE ABOVE What is your total scheduled monthly payment for the above-referenced mortgage? $2,425 - $2,524 $2,525 - $2,624 $2,625 - $2,724 $2,725 - $2,824 NONE OF THE ABOVE OK TO USE NONE OF THE ABOVE
5 Online Delivery Unavailable - Mail in Request We're sorry, for your protection we are unable to deliver your Equifax Free Annual Credit Report online. Request by Mail To request your Free Equifax Credit Report by mail, please fill out the attached form (PDF file), along with the documents described below, and mail them to: Annual Credit Report Request Service P.O. Box Atlanta, GA Please include with the attached form a copy of one item in EACH of the categories below in order to enable us to verify your identification and address. The item you submit from the "Identity" category MUST contain your Social Security Number and the item you submit from the "Address" category MUST contain your current home mailing address. Identity Social Security card Pay stub with Social Security Number W2 form Address Driver's license Rental or lease agreement/house deed Pay stub with address Utility bill (gas, electric, water, cable, residential telephone bills) To ensure that your request is processed without delay, please enlarge photocopies of any items that contain small print (i.e. driver's license, W2 forms, etc). To avoid additional delays, keep in mind that if photocopies you submit are not legible or contain highlighting, we may ask that you resubmit your request with more legible documents. Your personal information is used solely for identification purposes and is not shared with anyone.
6 Experian
7 Reviewing Your Report Step #1: Look for your personal information Personal information Name: JOE Q. CONSUMER Other names: CONSUMER, JOSEPH Q. Report number: XXXXXXX Report date: July 4, 2009 CURRENT ADDRESS: 123 MAIN ST., NEW YORK, NY SSN: XXX-XX-6789 Date of birth: 04/1965 Date of birth: 04/1965 Telephone number(s): PREVIOUS ADDRESSES: 17 BROOKLYN AVE., LONG ISLAND, NY EMPLOYMENT DATA REPORTED Employer name: CREDITCARDS.COM Location: New York, NY Date reported: 06/2007 Employer name: UNIVERSITY OF TEXAS Location: TX Date reported: 08/2005 Position: PROGRAMMER Hired: 05/2006 Position: Hired: 03/1999
8 #2 Public Records Any Public Records? (none is good, but don t panic if there are listings) Public records ROCKWELL MUNICIPAL Docket#: 9B MLK AVE., SUITE 300, ROCKWELL, TX Type: Civil judgment Court type: Municipal Date paid: 07/2004 Assets: $1,089 Estimated date that this item will be removed 06/2011 Date filed: 12/2003 Responsibility: Participant on account Plaintiff: BANK OF TEXAS Plaintiff attorney: RICHARD PERRY Amount: $1,089
9 #3 Negative Items Adverse Accounts (late pays, collections) Adverse accounts, potentially negative items COLLECTION RECOVERY SVC # CHARLES ST. SUITE 202 CORONA, CA (909) Balance: $0 Date verified: 06/2003 Original balance: $243 Original creditor: SEARS ROEBUCK Credit limit: $500 Past due: $0 Terms: $72 for 23 months Remarks: >Paid collection< Estimated date that this item will be removed: 08/2010 Pay status: Payment after charge off/collection Account type: Installment account Responsibility: Individual account Date opened: 03/2000 Date closed: 05/2003 Date paid: 05/2003
10 #4 Good Accounts In Good Standing (paid up) Accounts in good standing, satisfactory accounts GMAC FINANCING # JENKINS CIR FLOOR 15 MIAMI, FL Phone number not available Balance: $1,145 Date updated: 08/2004 High balance: $31,546 Collateral: 1998 Dodge Ram Credit limit: $24,568 Past due: $0 Terms: $72 for 23 months Loan type: Automobile Remarks: Paid by insurance Estimated date that this item will be removed: 12/2009 Pay status: Pays as agreed Account type: Installment account Responsibility: Individual account Date opened: 11/1994 Date closed: 07/2004 Date paid: 07/2004
11 #5 Inquiries Credit history requests CALTECH EMPLOYEE FCU 555 W. ADAMS SUITE 202 LA CANADA, CA (818) SUNSHINE APARTMENTS via RENTPORT 678 MARINE STREET SUITE 999 LOS ANGELES, CA (818) Requested on: 11/01/2003 Inquiry type: Individual Requested on: 05/01/2004 Inquiry type: Individual Loan type: Real estate Loan amount: $90,000 Permissible purpose: Credit transaction Permissible purpose: Tenant screening
12 Other Items Check dates on judgments, Legal proceedings Optional: Personal Statement Soft inquiries (only you see these) Equifax m/creditinvestigation/ Experian /disputes/main.html TransUnion m/personal-credit/creditdisputes/creditdisputes.page
13 Getting Started February 2 nd (2/2): Experian June 6 th (6/6): Equifax October 10 th (10/10): TransUnion Be careful of imposter sites Not freecreditreport More information from the Federal Trade Commission:
14 Key Information Equifax, Experian, and TransUnion each have different authentication process. You may have trouble accessing one but not others. You should NEVER be asked to enter a credit card number. You can print a copy of your report or return to the site within 30 days to review it again. Can also call or submit a request by mail. Equifax P.O. Box Atlanta, Georgia Experian P.O. Box 9554 Allen, Texas TransUnion P.O. Box 6790 Fullerton, CA
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