Consumer tip: How to get your credit reports
There are many ways to protect your finances, but one of the simplest is reviewing your credit reports for errors which could affect your ability to get credit. It can also help you spot signs of identity theft if, for example, it shows unauthorized lines of credit opened in your name.
In short, a credit report is a history of your credit, loan and payment history as reported to the three credit-reporting companies — Equifax, Experian and TransUnion — by business owners. Federal law requires these companies to provide you a free credit report once a year.
Through December, you can get a free credit report each week from each of the three credit bureaus. You can request your reports at annualcreditreport.com or by calling 1-877-322-8228. To verify your identity, you will be required to give personal identifying information. Credit reports will not contain your credit score but the information they contain can affect your credit score.
More information at marincountyda.org or 415-473-6495
As Reported by Marin Independent Journal