access it immediately. I you order your reportby calling toll-ree1-877-322-8228, your report will be processed and mailedto you within 15 days. I youorder your report by mailusing the Annual CreditReport Request Form, yourrequest will be processed andmailed to you within 15 dayso receipt. Whether you order your report online, by phone, orby mail, it may take longer to receive your report i the nationwide credit reporting company needs moreinormation to veriy your identity.
Q: Are there any other situations where I might be eligible or a ree report?
A: Under ederal law, you’re entitled to a ree reporti a company takes adverse action against you, suchas denying your application or credit, insurance,or employment, and you ask or your report within60 days o receiving notice o the action. Te notice will give you the name, address, and phone numbero the credit reporting company. You’re also entitledto one ree report a year i you’re unemployed andplan to look or a job within 60 days; i you’re on welare; or i your report is inaccurate because o raud, including identity thet. Otherwise, a creditreporting company may charge you up to $11.00or another copy o your report within a 12-monthperiod.o buy a copy o your report, contact:
transunion.comQ: Should I order a report rom each o the threenationwide credit reporting companies?
A: It’s up to you. Becausenationwide credit reportingcompanies get theirinormation rom dierentsources, the inormationin your report rom onecompany may not refect all,or the same, inormationin your reports rom the other two companies.Tat’s not to say that the inormation in any o your reports is necessarily inaccurate; it just may bedierent.
Q: Should I order my reports rom all three o thenationwide credit reporting companies at thesame time?
A: You may order one, two, or all three reports atthe same time, or you may stagger your requests. It’syour choice. Some nancial advisors say staggeringyour requests during a 12-month period may bea good way to keep an eye on the accuracy andcompleteness o the inormation in your reports.
Q: What i I fnd errors — either inaccuraciesor incomplete inormation — in my credit report?
A: Under the FCRA, both the credit reportingcompany and the inormation provider (that is,the person, company, or organization that providesinormation about you to a credit reportingcompany) are responsible or correcting inaccurateor incomplete inormation in your report. otake ull advantage o your rights under this law,
I you request your report online at annualcreditreport.com, you should be able to accessit immediately.