| A Homebuyers Service From CLHLLC |
FREE CREDIT REPORTS
Deane hopes you find this page useful. Let her know.
The three nationwide consumer credit reporting companies share in the operation of a service to comply with the Federal law mandating a free report annually from each of the three. This service is the Annual Credit Report Request Service, and it can be reached by internet, telephone, and the US mail. It is the only service authorized by Equifax, Experian and TransUnion; and the only way you can get a FREE credit report.
FOR YOUR REALLY FREE CREDIT REPORTS
Internet Browser https://www.annualcreditreport.com Reports are sent to you electronically immediately. |
Telephone Call 1-877-322-8228 and answer some questions. Reports are mailed to you within 15 days, plus upto 21 days for delivery. |
US mail Download https://www.annualcreditreport.com/cra/requestformfinal.pdf Print the special form, fill it out in ink so a computer can read it. mail to : Annual Credit Report Request Service .................. P.O. Box 105281 -- Atlanta, GA 30348-5281 Reports are mailed to you within 15 days, plus upto 21 days for delivery. |
IF YOU NEED MORE THAN 1 REPORT IN A YEAR THEN YOU CAN BUY YOUR CREDIT REPORTS AT $9.50 |
information you must provide to get your report
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NOTICE: WHEN ORDERING YOUR FREE REPORT OR YOUR $9.50 REPORT
YOU MAY PURCHASE YOUR CREDIT SCORE FOR ADDITIONAL MONEY
Beware of losing money (maybe lots) on SCAMS
Neither the Annual Credit Report Request Service, nor the Federal Trade Commission, nor the Credit Bureaus will :
Call you first to ask for personal information.
Send you an email asking for personal information.
Send you pop-up internet advertisements asking for personal information.
If you get a phone call or an email or a pop-up advertisement claiming it is from one of these above entities, it is probably a scam. Do not talk on the phone, do not reply to Email, do not click on any link in a pop-up internet advertisement.
Instead, use this Federal Trade Commission site http://www.ftc.gov/spam/
to forward emails or to file a complaint about telephone calls or pop-ups.
How should you request your Credit Reports?
The home mortgage lender will ask you to authorize and pay for your credit history from two or three of the credit bureaus. The only way to be sure that your credit history is reported accurately by all three major credit bureaus is to check all three. Then you can correct any errors before the mortgage lender evaluates your credit.
If you are past the process of getting your mortgage, then you may want to start a cycle such as order Equifax free report in Jan 2008, Experian free report in May 2008, & Trans Union free report in Sept 2008, then begin again anew in 2009. And remember the Federal Law also allws you to buy a report anytime for a reasonable price.
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GIVE CHRIS A CALL – LET’S DISCUSS CREDIT REPORTS,
AND START YOU ON THE ROAD TO HOME OWNERSHIP
YOU CAN'T MISS WITH CHRIS Call him today! OK?
