![]() How To Get Your Free Annual Credit Reports How do I order my free annual credit reports? If you think someone might be misusing your personal information, go to to report it and get a personalized recovery plan. Identity theft can damage your credit with unpaid bills and past-due accounts. Once identity thieves steal your personal information - like your name, date of birth, address, credit card or bank account, Social Security, or medical insurance account numbers - they can drain your bank account, run up charges on your credit cards, get new credit cards in your name, open a phone, cable, or other utility account in your name, steal your tax refund, use your health insurance to get medical care, or pretend to be you if they are arrested. Mistakes on your credit report might be a sign of identity theft. If you find mistakes on your credit report, contact the credit bureaus and the business that supplied the information to get the mistakes removed from your report.Ĭheck to help spot identity theft. Be sure to check before you apply for credit, a loan, insurance, or a job. It ’s important to do this at least once a year. Getting your credit report can help protect your credit history from errors and help you spot signs of identity theft.Ĭheck to be sure the information is accurate, complete, and up-to-date. The Fair Credit Reporting Act (FCRA), a federal law, requires this. give you a free copy of your report once every 12 months.make sure that the information they collect about you is accurate.The strength of your credit history also affects how much you will have to pay to borrow money. Some employers use credit reports in hiring decisions. Credit bureaus sell the information in your report to businesses that use it to decide whether to loan you money, give you credit, offer you insurance, or rent you a home. It can also affect your chance to get a job, rent or buy a place to live, and buy insurance. The information in your credit report can affect your buying power. N ot all creditors report information to credit bureaus, but most nationwide chain store and bank credit card accounts, along with loans, are included in credit reports. Three nationwide credit bureaus (Equifax, Experian, and TransUnion) collect and update this information. Your credit report includes identifying information - like your address and date of birth - and information about your credit history - like how you pay your bills or if you filed for bankruptcy. Identity Theft and Online Security Show/hide Identity Theft and Online Security menu itemsĪbout Credit Reports What is a credit report?Ī credit report is a summary of your personal credit history.Unwanted Calls, Emails, and Texts Show/hide Unwanted Calls, Emails, and Texts menu items.Money-Making Opportunities and Investments.Jobs and Making Money Show/hide Jobs and Making Money menu items.Credit, Loans, and Debt Show/hide Credit, Loans, and Debt menu items.Shopping and Donating Show/hide Shopping and Donating menu items.
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