How to obtain a free credit report Connecticut

Forward any such e-mail to the FTC at spam@uce.gov. What information do I need to provide to get my free report? A: You need to provide your name, address, Social Security number, and date of birth.

If you have moved in the last two years, you how to obtain a free credit report Connecticut may have to provide your previous address. To maintain the security of your file, each nationwide consumer reporting company may ask you for some information that how to obtain a free credit report Connecticut only you would know, like the amount of your monthly mortgage payment. Each company may ask you for different how to obtain a free credit report Connecticut information because the information each has in your file may come from different sources.

Why do I want a copy of my credit report? how to obtain a free credit report Connecticut A: Your credit report has information that affects whether you can get a loan - and how much you will have to pay to borrow money.

You want a copy of your credit report to:

make how to obtain a free credit report Connecticut sure the information is accurate, complete, and up-to-date before you apply for a loan for a major purchase like a house or car, buy insurance, or apply for a job.

That's when someone uses your personal information how to obtain a free credit report Connecticut - like your name, your Social Security number, or your credit card number - to commit fraud. free credit report once a year Identity thieves may use your information to open a new credit card account in your name. Then, when they don't how to obtain a free credit report Connecticut pay the bills, the delinquent account is reported on your credit report. Inaccurate information like that could affect your ability to get credit, insurance, or even how to obtain a free credit report Connecticut a job. How long does it take to get my report after I order it? A: If you request your report online at annualcreditreport.com, you should be able to access it immediately. If you order your report by calling toll-free 1-877-322-8228, your report will be processed and mailed to you within 15 days. If you order your report by mail how to obtain a free credit report Connecticut using the Annual Credit Report Request Form, your request will be processed and mailed to you within 15 days of receipt. get free credit reports Whether you order your report online, by phone, or by mail, it may take longer to receive your report if the nationwide consumer reporting company needs more information to verify your identity. There also may be times when the nationwide consumer reporting companies receive a high volume of requests for credit reports.

If that happens, you may be asked to re-submit your request. Or, you may be told that your report will be mailed to you sometime after 15 days from your request. If either of these events occurs, the nationwide consumer reporting companies will let you know. Are there any other situations where I might be eligible for a free report? A: Under federal law, you're entitled to a free report if a company takes adverse action against you such as denying how to obtain a free credit report Connecticut your application for credit, insurance, or employment and you ask for your report within 60 days of receiving notice of the action. The notice will give you the name, address, and phone number of the consumer reporting company. You're also entitled to one free report a year if you're unemployed and plan to look for a job within 60 days; if you're on welfare; or if your report is inaccurate because of fraud, how to obtain a free credit report Connecticut including identity theft. Otherwise, a consumer reporting how to obtain a free credit report Connecticut company may charge you up to $9.50 for another copy of your report within a 12-month period. www credit report

To buy a copy of your how to obtain a free credit report Connecticut report, contact:

Equifax: 800-685-1111; how to obtain a free credit report Connecticut www.equifax.com Experian: 888-EXPERIAN (888-397-3742); www.experian.com Trans Union: 800-916-8800; www.transunion.com
Under state how to obtain a free credit report Connecticut law, consumers in Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey, and Vermont already have free access to their credit reports.