Creditreport Washington

Identity thieves may use creditreport Washington your information to open a new credit card account in your name. Then, when they creditreport Washington don't pay the bills, the delinquent account is reported on your credit report. Inaccurate information like that could affect your ability to get credit, insurance, or even a job. How long does it take to get my report after I order it? A: If creditreport Washington you request your report online at annualcreditreport.com, you should be able to access it immediately. If you order your report creditreport Washington by calling toll-free 1-877-322-8228, your report will be processed and mailed creditreport Washington to you within 15 days. If you order your report by mail using the Annual Credit Report Request Form, your request creditreport Washington will be processed and mailed to you within 15 days of receipt. Whether you order your report online, by phone, or by mail, it may take longer to receive your report if the nationwide consumer reporting company needs more information to verify your identity. creditcheck There creditreport Washington also may be times when the nationwide consumer reporting companies receive a high volume of requests for credit reports. If that happens, you may be asked to re-submit your request. Or, you may be told that your report will be mailed to you sometime after 15 days from your request. If either creditreport Washington of these events occurs, the nationwide consumer reporting companies will let you know. Are there any other situations where I might be eligible for a free report? A: Under federal law, you're entitled to a free report if a creditreport Washington company takes adverse action against you such as denying your application for credit, insurance, or employment and you ask for your report within 60 days of receiving notice of the action. getting a credit report The notice will give you the name, address, and phone number of the consumer reporting company. You're also entitled to one free report a year if you're unemployed and plan to look for a job within 60 days; if you're on welfare; or if creditreport Washington your report is inaccurate because of fraud, including identity theft.

Otherwise, a consumer reporting company may creditreport Washington charge you up to $9.50 for another copy of your report within a 12-month period. To buy a copy of your report, contact:

Equifax: 800-685-1111; www.equifax.com Experian: 888-EXPERIAN (888-397-3742); www.experian.com Trans Union: 800-916-8800; www.transunion.com

Under state law, consumers in Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey, and Vermont already have free access to their credit reports.

Should I order a report from each of the three nationwide consumer reporting companies or all of them? A: creditreport Washington Its up to you. Because nationwide consumer reporting companies get their information from different sources, the creditreport Washington information in your report from creditreport Washington one company may not reflect all, or the same, information in your reports from the other two companies. on line credit report That's not to say that the information in any of your reports is necessarily inaccurate; it just may be different. You may order one, two, or all three reports at the same time, or you may stagger your requests.