Those wanting to monitor their credit may get confused by commercials promising a free copy of your credit report. At times the report may be free but the service that one subscribes to is not.
Here's an example of a place where you can get free credit reports.
FREE** www.annualcreditreport.com ** FREE
Under Georgia State and Federal law, consumers are entitled to two free credit reports from each of the three major reporting agencies every year -- for a total of six free credit reports. Through this website you can request a free copy of your report from any of the three agencies at any time -- always free of charge.
Now here's an example of a service that is not free.
NOT FREE ** www.freecreditreport.com ** NOT FREE
This site is backed by the credit reporting agency Experian. You must sign up for one of Experians monitoring services, at a cost of $14.95 pers month to obtain a credit report.
You cannot request a copy from Equifax, or TransUnion through Experian - thus, making the information provided by this site, incomplete.
KNOW YOUR RIGHTS--- GET THE INFO
Provided by GeorgiaWatch
|Opt-out of pre-approved credit offers|| |
(888) 5-OPTOUT or www.optoutprescreen.com
|Get off mailing lists|| |
(202) 861-2410 or www.dma.org/consumers
|Order free copies of your credit report|| |
(877) 322-8228 or www.annualcreditreport.com
|Get a copy of ChoicePoint full file disclosure|| |
(887) 497-0011 or www.choicetrust.com
|Report identity theft||(877) ID-THEFT|
|File a complaint with the Insurance Commissioner|| |
|Get free credit report counseling|| |
(800)251-CCCS (2227) or www.cccsatl.org
|Get help from Georgia Watch|| |
(866) 33-WATCH or www.georgiawatch.org
Info courtesy: georgiawatch.org