HOW DO I OBTAIN A FREE CREDIT REPORT?
Posted by: Micah Adkins
June 24, 2009
Topic: ID THEFT, DATA BREACHES AND CREDIT REPORT DISPUTES
The Fair Credit Reporting Act ("FCRA") provides consumers with the right to request a credit report from any of the three nationwide credit reporting agencies ("CRAs")(e.g., Equifax, Experian and Trans Union) for free one time in a twelve (12) month period. 15 U.S.C. 1681j(a)(2). The CRA must provide the consumer with a the credit report within fifteen days of receiving the consumer's request. 15 U.S.C. 1681j(a)(2). Further, even when consumer demands for their credit reports increase, CRAs, by law, must have the requisite ability to meet the reasonable anticipated consumer requests. 16 C.F.R. 610.2(e) and 3(c).
The CRA may request additional identifying information from the consumer prior to sending the report, but the CRA may only do so to process the consumer's request, process a simultaneous transaction as requested by the consumer, update the consumer's personal identifier, or comply with any of the other requirements of the FCRA.
A consumer may request all three credit reports online at http://www.annualcreditreport.com/, by telephone at 1-877-322-8228, or via mail at:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
Our firm helps consumers get their credit reports and resolve consumers' disputes with CRAs for inaccurate or incomplete information contained in their credit files. For a free consultation, contact attorney Micah Adkins.
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HOW DO I OBTAIN A FREE CREDIT REPORT?
