With the passage of the Fair and Accurate Credit Transactions Act of 2003, consumers can get free copies of their credit reports from each major credit bureau once a year. Checking your credit reports on a regular basis is an opportunity to spot any fraudulent use of your name by identity thieves and correct any other inaccurate information.
To request your reports‚ go to www.annualcreditreport.com or call 877-322-8228.
If you need to contact the credit bureaus directly‚ here’s the information you’ll need:
- Equifax — www.equifax.com or 800-685-1111. To report fraud, call 800-525-6285.
- Experian — www.experian.com or call 888-397-3742. To report fraud, call 888-397-3742.
- TransUnion — www.transunion.com or call 800-888-4213. To report fraud‚ call 800-680-7289.