Is this really interesting: Annual Credit Report

To ensure that you are visiting the legitimate site, type https://www.annualcreditreport.com directly into the address bar on your browser.

You may request your free credit report online, request your report by phone or request your report through the mail.

Consumers can order their free annual credit reports by mail, by telephone, or online.

For further information please read the Security Policy.

This central site allows you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.

“The services offered on this website are provided ‘as is’, with no warranties of any kind.

WARNINGS FOR CONSUMERS ORDERING CREDIT REPORTS ONLINE !

The Attorney General provides Consumer Alerts to inform the public of unfair, misleading, or deceptive business practices, and to provide information and guidance on other issues of concern.

We recommend that when you order you request that no more than the last four digits of your Social Security Number appear on copies of your credit report.

If you are a victim of identity theft, you are entitled to place a fraud alert on your file and to receive copies of your credit report from each of the three credit reporting companies free of charge, regardless whether you have previously ordered your free annual reports.

The three nationwide consumer reporting companies have set up one central website, toll-free telephone number, and mailing address through which you can order your free annual report.

You have a right to order your free annual credit report from each of the three major consumer credit reporting companies : Equifax, Experian, and TransUnion.

These are companies that maintain specific types of files on consumers, such as employment history, tenant history, medical records, and insurance claims.

To order, click on annualcreditreport.com, call 877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

There are many specialty CRCs, and each must maintain a toll-free telephone number through which consumers may request a free copy of their credit report once every 12 months.

Michigan consumers can order a free credit report from each of the three major credit reporting companies every year.

AnnualCreditReport.com is the official site to help consumers to obtain their free credit report.

The Attorney General’s Office lists such sites for the convenience of consumers and does not necessarily endorse specific positions of these organizations.

Some other sites claim to offer “free” credit reports, but may charge you for another product if you accept a “free” report.

Reviewing your credit reports can help you detect fraudulent activity early, allowing you to take effective steps to limit the headaches you may encounter if you are a victim of identity theft.

Fight identity theft by monitoring and reviewing your credit report.

Beware of e-mails, banner ads, pop-up and pop-under Internet ads, and telemarketing calls that promise to obtain your “free annual credit report” on your behalf.

The FTC has received complaints from consumers who thought they were ordering their free annual credit report online.

Free credit reports requested by phone or mail will be processed within 15 days of receiving your request.

Free credit reports requested online are viewable immediately upon authentication of identity.