Report credit fraud Lake Charles

Once you land on AnnualCreditReport.com, you might think you're home free. The law requires credit bureaus to provide a free credit report to consumers, but they're not required to give you your credit score. Some credit bureaus offer to sell you a credit score while report credit fraud Lake Charles you're ordering your credit report. Others pitch offers for credit-monitoring services. These promotions have led some consumers to believe that report credit fraud Lake Charles they can't get their credit reports unless report credit fraud Lake Charles they purchase these products. Credit bureaus won't be allowed to advertise products and services on AnnualCreditReport.com until after consumers have received their free credit reports.

In the meantime, if you order your credit reports from AnnualCreditReport.com, understand that you're not obligated to buy anything.

If you're not interested, just skip the offers and continue to the section that allows you to order your report. check credit online free ON TWITTER: Follow Sandra Block You can order all three credit reports at report credit fraud Lake Charles once or order a different one every four report credit fraud Lake Charles months. Staggering your reports allows you to check for suspicious activity, such as report credit fraud Lake Charles new accounts you never opened, that could indicate you've been victimized by identity theft, Alderman says. And unlike credit monitoring, it doesn't cost you anything. However, if you're planning to apply for a mortgage or car loan, you should order all three credit reports, says Gail Cunningham, spokeswoman for the report credit fraud Lake Charles National Foundation for Credit Counseling. free credit report identity theft

That way, you can check your reports for report credit fraud Lake Charles errors that could prevent you from getting a loan, she says. Not all lenders report to all three bureaus, so it's important to scrutinize all three reports, Cunningham says. If you find an error that could hurt your score, you can file a dispute with the credit bureau. For more information about your right to free credit reports, to go to www.ftc.gov/freereports.

Sandra Block covers personal finance for USA TODAY. Follow on Twitter: www.twitter.com/sandyblock Free Consumer Credit Report – Personal Warning: include() [function.include]: SAFE MODE Restriction in effect.

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