OFIR recommends that consumers
check their credit report at least once every 12 months at AnnualCreditReport.com.
Monitoring and reviewing your credit report is an effective way to help fight identity
theft. AnnualCreditReport.com serves as a central source for each of the three
major credit reporting agencies. Consumers can request a report from each credit
reporting agency within a one year period. Experts suggest that instead requesting
reports from all three agencies at once, consumers request a single report every
four months or so from a different agency. This strategy can help detect potential problems
like identity theft sooner.
AnnualCreditReport.com is
a free, no-obligation service established by federal law and provided by the
major credit reporting services. You will not be required to purchase or subscribe
to anything to view your credit report, though you can opt to pay a fee to learn
your credit score number.
To get your report, you
will have to provide certain information including your name, social security
number and address. The online service has numerous features to protect the
security of the information you send and receive.
For security reasons,
we cannot link you directly to AnnualCreditReport.com. You
can get there from a link on the FTC
(Federal Trade Commission) website, or you can copy and paste this address
into your web browser:
www.annualcreditreport.com
Annual credit reports are
also available by telephone.
Phone toll free: 1-877-322-8228
Hearing impaired consumers can access the TDD service at 1-877-730-4104
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