If you have not done so, it may be time to check your own credit report to insure that everything is as it should be. The Fair and Accurate Credit Transactions Act (“FACT” Act) allows you a free annual credit report from each of the established credit reporting agencies, including Equifax, Experian and TransUnion.
A centralized service was created by the credit reporting agencies to enable consumers to efficiently request their own free credit reports. You may request your credit reports through the following website: www.annualcreditreport.com.
Of course, credit reports may alternatively be obtained telephonically by contacting the respective credit reporting agencies at the following telephone numbers:
As always, remember to exercise extreme caution when it comes to providing your personal information, including your Social Security Number, and never provide that information to anyone who contacts you requesting it. When in doubt, seek legal counsel.