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USCCRA FREE Credit Tips

(how to monitor and protect your credit)
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http://www.annualcreditreport.com/ – This is the only website that is monitored by the FTC (Federal Trade Commission) where you are allowed by law to receive one copy from each credit bureau every 12 months for FREE! 

Many of the other sites will offer FREE scores or credit reports but are actually owned by the Big Three Credit Bureau’s and they will collect your credit card information and give you a 30 FREE trial for a credit monitoring service – then you guessed it, if you don’t’ cancel you will be billed monthly for a service you may not want.

Keep in mind you will NOT get a credit score. If you want to get a score you can purchase one while you visit each site. They will charge you for it. It will be a consumer score NOT a mortgage or automobile loan score.

www.optoutprescreen.com

This is the Official Consumer Credit Reporting Industry website to accept and process requests to Opt in or Opt Out of firm offers of credit or insurance.

This will usually cut down on your junk mail and stop them from reselling your information.

www.missingmoney.com

FREE SEARCH SITE – (watch out for others that charge you)

Check your name in your state and in:

Delaware- for past businesses

Connecticut – 401K, Securities Insurance

Any state’s corporate headquarters you worked for!!

 

How To Monitor Your Credit For FREE!

Since you are entitled to one free copy of your credit report every 12 months from Trans Union, Equifax and Experianyou can simply pull one bureau in January 1st, one bureau on May1st , and one bureau on September 1st.

Then the following January 1st you can pull the first one again! If you do find errors or inaccuracies (possible signs of Identity Theft) you will want to obtain copies of all the bureaus and take immediate action.