left Xtraordinary Living At Its Best: Free Credit Report

Thursday, July 20, 2006

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Free Credit Report

The following information was sent to me by American Express. I have checked it and it is legitimate. It is also very easy to do and takes less then 5 minutes to complete.

The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies to provide you with a free copy of your credit report, at your request, once every 12 months.

This is a good step in the ongoing battle to prevent identity theft. In addition, monitoring your credit information can help you correct inaccurate information that can affect your ability to get credit, insurance or even a job.

Find out more information about the free annual credit report at the Federal Trade Commission or visit www.ftc.gov.

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Sir Charles said...

Another good - FREE - way to monitor your credit is via PayPal.com free credit watch service. This serice is $9/month if you go to equifax.com but is FREE to PayPal users!!!

Register at PayPal.com (this is a free payment service owned by ebay). Then go to the Identity Protection Resources section. I've copied some of the text from the site below.

That’s what Equifax Credit Alerts for PayPal Users are all about. They’re an early warning detection system that monitors your credit file and alerts you to potentially fraudulent activities – for example, if someone tries to obtain credit in your name. So now, you’re empowered to take proactive steps to help prevent damage.

It’s an idea that works! Effective credit monitoring can cut fraud losses by up to 90%.1

Equifax Credit Alerts for PayPal – Free!

Early warnings: Automatic notification through email in the event there’s an inquiry to your credit file or there’s a balance change.

Free for PayPal users: No charge to PayPal registered users in the U.S.

Toll-free hotline: Call if you believe you’re a victim of identity theft.

Rick Itzkowich said...

Sir Charles,

This is a great resource.Thanks for passing this along.