Thursday, April 1, 2010

Your Free Credit Report at Government Approved

A new US Federal Trade Commission rule is in effect on April 2, 2010, and will require commercial companies and web sites advertising free credit reports to direct people to the government-approved www.ANNUALCREDITREPORT.COM.
You are entitled to a free copy every year from each of the credit reporting agencies – Equifax, Experian and TransUnion. 
And you can request free reports if you’re the victim of identity fraud or unemployed and looking for work, or if you think your report has errors or being used against you. 
Only banks, debt collectors, landlords or those with a valid interest can pull credit reports.  Prospective employers also need to get written consent to run checks on job applicants.
A person can have multiple credit scores.  The company "FICO" develops the most widely used scores, but they are not the only ones available.  FICO scores from credit bureaus can differ, and there would be differences in the credit reports each bureau has for a person.  
Be careful with your "credit reports" and keep those safe and confidential as much as possible.

Harrison K. Long, Realtor & broker, Explore Group, Coldwell Banker Previews, Irvine, CA.  CA DRE #01410855.  Lawyer - California State Bar Association member #69137.  National Association of Realtors, California Association of Realtors, and Orange County Association of Realtors.  Current Chairperson of Local Government Relations south committee at  Newport Beach and Irvine area Realtor, broker agent and property information source. 

Be careful with information for your own credit reports, and check out and use the US government-approved www.ANNUALCREDITREPORT.COM.

Posted via email from Explore OC Homes


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