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Step 1
Request a free credit report. A federal law was passed in 1994 that allows one free credit report annually from each reporting bureau. The request can be made online or in writing.
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Step 2
Check credit reports annually. This will prevent or make it easier to identify errors and take the necessary action. All errors should be report immediately to the credit bureaus.
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Step 3
Prevent identity theft. Always inform the police and credit bureaus if unauthorized charges were made on your credit card.
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Step 1
Contact credit bureaus from the leading providers by mail:
Equifax, P. O. Box 740256, Atlanta, GA 30374;
Experian, P. O. Box 2002, Allen, TX 75013, and
TransUnion, LLC, P. O. Box 2000, Chester, PA 19022. -
Step 2
Call credit bureaus by phone:
Equifax (800) 685-1111;
Experian (888) 397-3742, and
TransUnion LLC(800) 888-4213. -
Step 3
Visit the leading providers online (see Resources below).









Comments
kenhenry said
on 8/29/2009 Yes it is true. Most people will click a "FREE Credit report" and not get it free. Clicker beware!
ken
heatherschulte said
on 7/5/2008 There is only one official website for a free credit report and it is not the one you listed. free3bureaucreditreport.com is a scam!