As I've mentioned in earlier postings, it is absolutely vital to maintain good credit to run a small business, especially if you are a sole proprietor because you have only yourself to rely upon. Today thanks to passage of the 2003 Fair and Accurate Credit Transactions Act, you can get a credit report from each of the major credit bureaus Equifax, TransUnion and Experian each year for free.
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Difficulty:
Easy
Instructions
1
Go to www.annualcreditreport.com. This is the only secured site where you can safely order your annual credit report for free.
Remember, this site does not solicit. Anybody claiming to offer you a free credit report through an email could be phishing for your vital information.
Be sure to enter the URL accurately. Similar sites will try to sell you the three reports.
2
Call toll free and order at(877) 322-8228.
If you have friends or relatives who aren't comfortable with the Internet, this is the next simplest way to order your reports.
3
You can request a report by mail.
Send you request to Report Request Service, P.O. Box 105281, Atlanta, GA, 30348-5281. Be sure to provide your social security number and date of birth. Since this information is so vital, it's best to mail a letter like this in the post office while is it open. Some identity thieves have become quite adept at fishing for bills in envelopes with string and gum.
4
You're entitled to a free report if you've been denied credit.
As before the 2003 law, if you are ever turned down for a loan or credit card, you are required to be notified why. Even if you've recently gotten your free annual report, you can still get a copy of the report that was used for the credit decision.
It's a good idea to order your reports at least once a year to make sure they are accurate.
Under the Federal Fair and Accurate Credit Transactions (FACT) Act, the federal government requires the three major credit reporting agencies provide free...
Credit reports contain crucial information about your financial history, including the amount of debt you've accrued, the types of credit you've taken...
