AnnualCreditReport. How to Get 3 Free Credit Reports Per Year. Email Free Credit Report Basics Keeping up with your credit reports is essential for anyone who is serious about their financial well-being. They may be the only way for you to detect if your identity has been stolen. This post will show you how to get three free credit reports a year (through a government run program) at annualcreditreport.com, with no strings attached. What is a Credit Report? Let’s start with the basics on this one. To fully understand what a credit report is, it is important to differentiate it from a credit score. What is a Credit Score? As stated by annualcreditreport.com, “A credit score is a complex mathematical model that evaluates many types of information in a credit file. You can get your TransUnion credit score for free using Credit Karma.
When Should I Use a Credit Report and when Should I Use a Credit Score? Credit reports serve two main purposes: It is best to check your credit reports often – at least a few times per year, just to stay on top of things. OptOutPrescreen.com. Credit Fraud Center. Identity Theft Rights Para información en español, visite www.ftc.gov/idtheft/ o escribe a la FTC, Consumer Response Center, Room 130-B, 600 Pennsylvania Avenue, N.W. Washington, D.C., 20580. Remedying the Effects of Identity Theft You are receiving this information because you have notified a consumer reporting agency that you believe that you are a victim of identity theft. Identity theft occurs when someone uses your name, Social Security number, date of birth, or other identifying information, without authority, to commit fraud. For example, someone may have committed identity theft by using your personal information to open a credit card account or get a loan in your name.
For more information, visit www.ftc.gov/idtheft/ or write to: FTC, Consumer Response Center, Room 130-B, 600 Pennsylvania Avenue, N.W. The Fair Credit Reporting Act (FCRA) gives you specific rights when you are, or believe that you are, the victim of identity theft. Lifelock Review: Is Life Lock a scam? Updated 2012. Email You may know LifeLock CEO, Todd Davis’s social security number, 457-55-5462. Most people have seen it, as Lifelock has plastered it everywhere as a symbol of their identity theft protection service. But before signing on to Lifelock, realize that there are plenty of solid ways to protect yourself from identity theft that are absolutely, 100% free and legit.
In many ways these free identity protection measures go above and beyond the paid services, such as Lifelock, that are out there. Let’s take a look at what Lifelock will do for you (for $10 per month), and how you can achieve the same results for free on your own. Benefit Claim #1 First, we ask the credit bureaus to set free fraud alerts on your behalf. Free Option #1: Go to any of the three credit bureaus and request this on your own. Benefit Claim #2 Second, unless your circumstances change and you tell us not to, every 90 days or so we ask the credit bureaus to do it again. Benefit Claim #3 Benefit Claim #4 Benefit Claim #5.