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Free credit report colorado9/21/2023 Federal law allows you to get a free copy of your credit report every 12 months from each credit reporting company. Central Source, LLC is sponsored by Equifax, Experian, and TransUnion so you have a single site where you can ask for all three of your free credit reports. The site is maintained by Central Source, LLC. Don't come to the site by clicking on a link in another site or in an email. You can be sure that you are on the right site if you type in your browser address line. You can verify this is the official site by visiting the CFPB's website. The significance of this week is to spread awareness that any type of theft can disrupt your finances, credit history, and reputation and take money and time to resolve.Ī is the official site to get your free annual credit reports. This year, it takes place from January 30 to February 3. Identity Theft Awareness Week is an annual observance that begins on the last Monday of January and lasts for five days. “Reviewing credit reports helps you catch signs of identity theft early. Credit reports may affect your mortgage rates, credit card approvals, apartment requests, or even your job application,” Treasurer Dave Young stated. Identity Theft Awareness Week 2023 January 30 - February 3ĬOLORADO: On the fourth day of Identity Theft Awareness Week 2023, Treasurer Dave Young wants to make sure you know how to check your credit reports for free. Lemberg Law’s legal team will evaluate your case at no cost to you, and will help you get the justice you deserve.Communications Director & Public Information Dave Young Wants You To Know How To Check Your Credit Reports For Free If you or someone you know is the victim of credit report issues, complete our online form or call 47. They may, for example, request your Social Security number, date of birth, previous address, or the amount of a particular payment. When requesting your credit report (either your free annual report or one for which you pay), you’ll likely need to provide some personal information so that the consumer reporting agency can confirm it’s you. If you prefer to receive your annual credit report through the mail (which takes two to three weeks), you can call 87 or download the official request form at, complete it, and mail it to:Ītlanta, GA 30348-5281 To buy a copy of your credit report, you can contact the individual consumer reporting agencies: Obtaining an online credit report through the government portal is the fastest way to access your credit report. Getting Your Free Credit ReportĪccording to the Fair Credit Reporting Act, you can obtain your free annual credit report by phone, mail, or via the federal website,. However, if you live in Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey, or Vermont, state law provide for free access to credit reports. Keep in mind, though, that you can obtain copies of your credit reports anytime you’d like by paying the consumer reporting agency around $10. In addition, you can request a free copy of your credit report if you’re unemployed and are going to look for work within 60 days, if you’re receiving welfare benefits, or if there’s a problem on your credit report due to fraud. If you’re denied credit, insurance, or employment because of something that’s on your credit report, the law says that you’re entitled to a free copy of that report from the consumer reporting agency – providing you send a written request within 60 days of being told you were denied. Credit Reports Problems and Unusual Circumstances When you order a free credit report, you’ll get information about your credit report score, as well as a list of businesses that have accessed your credit report in the previous twelve months and a list of employment-related requests over the previous two years. In other words, it may be better to request one in January, one in May, and one in September rather than requesting all three at once. However, some financial experts suggest staggering the requests at four-month intervals to keep tabs on your credit reports throughout the year. In other words, credit report mistakes can cost you hundreds or thousands of dollars per year.īecause the three different consumer reporting agencies collect different information, it’s important to look at all three. ![]() If it contains errors, it may negatively impact your ability to get credit or to obtain a reasonable interest rate. Doing a free credit report check is extremely important to ensure that the information contained in your credit report is accurate. According to the federal Fair Credit Reporting Act (FCRA), each of the major consumer reporting agencies (Experian, Equifax, and TransUnion) must provide you with a free copy of your credit report once every year – if you request it.
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