All about credit reports
Getting your reports
You can get a free report
once every 12 months from
each of the three nationwide
consumer credit reporting
companies. That means
if you order a report from
one of the companies
on March 1, you can't get
another report from the
same company until
March 2 next year.
To ask for your
You can ask for your
free credit report from
Make sure you are on this
site before ordering your report.
This is the official site,
authorized by the
Federal government, for
you to get your free reports.
You usually can get your
report immediately by
You may also ask for
your report by phone
or mail, but it may take
up to 15 days for you to
To ask for your report
You will go through a simple
verification process over the phone.
To ask for your report by mail:
Download the request form
(You need an Adobe viewer
o view the requested form.
Download the free Adobe viewer)
Print and complete the form
Mail the completed form to:
Annual Credit Report
P.O. Box 105281
Atlanta, GA 30348-5281
For more information visit
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Secure Your Web Cameras To Keep Others From Spying On YouMay 20, 2015
It's difficult to find a computer, mobile phone, or even television without a webcam as standard equipment these days. They're certainly handy and have allowed us to be the selfie-taking society that we are, whether we like it or not, and give us the ability to video chat with those far away. However, this great technology also comes with some reservations and warnings: It can allow others to potentially spy on your every move.
There are some indicators, such as the little LED light to tell you you're being watched. But some hackers have figured out a way to activate the camera without that happening. Fortunately, that is a rare occurrence.
There are a few other precautions to take with regard to that camera.
When you make a payment on a credit card or loan,
the company that gave you the loan or credit
keeps a record of how much and often you pay.
Those companies and other sources also report
your credit, loan and payment history to one
or more credit reporting companies. The credit
reporting companies combine the information
from your different credit, loan and
payment reports into a single credit file.
Three nationwide companies
prepare credit files for people in the
U.S.: Equifax, Experian, and TransUnion.
A credit report is an organized list of the
information in your credit file. Credit
reports may include:
Credit reports may also include:
A consumer disclosure contains some of the
same information as your credit report, but it
has more information. It includes your total history
of credit information. Some of this information
is not displayed on the credit report viewed
Under Federal law, you are entitled to receive
one free copy of your
credit report from each credit reporting company
every 12 months. For more information:
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