You can only request your credit reports through AnnualCreditReport.com or by calling the verified phone number 1-877-322-8228. If another source claims to have your credit report in exchange for personal information, it's probably a fraud. When you go to the website, double-check to make sure you're on the right page. Scam websites will try to dress their pages up to make them look legitimate.
During Tuesday's hearing, Waters and her committee heard from consumer-protection advocates like Chi Chi Wu of the National Consumer Law Center, who proposed replacing the privately-run three-credit bureau system with a public credit registry. It would operate under the umbrella of the Consumer Financial Protection Bureau, which guards consumers against unfair or abusive practices.
A: The new law empowers consumers with useful tools to help thwart identity theft, a fast-growing crime that struck seven million Americans in 2003. Beginning on March 1, Iowans will have the right to obtain for free their credit reports every year from each of the three nationwide consumer credit reporting services - Equifax, Experian and Trans Union. Consumers ought to take a pro-active approach to keep criminals from smearing their financial reputation and taking their good name for a ride. Don't wait until something goes wrong. Double-check the information on your credit report to make sure it is up-to-date and accurate, especially application requests for loans or credit cards. 041b061a72