1. FREE reports: With The Fair Credit Reporting Act, top consumer reporting companies must provide free copies of your credit report upon request every 12 months.

2. Personal details: your credit report includes information on where you live, how you pay your bills, and whether you’ve been sued, arrested, or filed bankruptcy.

3. Go offline: You can request a free credit report by calling a toll-free FTC number or completing and mailing the Annual Credit Report Request Form.

4. Type carefully: The FTC advises consumers who order their free annual credit reports online to be sure to correctly spell the web site’s name “annualcreditreport.com”.

5. Watch for scams: Some “free” report providers may try to slip a binding contract in their legal jargon; you’ll receive bills within a few months.

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Article by Nakagava Ltd., creator of PiggyBob™, the first truly user friendly personal finance software and time manager. PiggyBob™ is an extremely convenient tool to help you keep track of your income and expenses, plus a very useful printable calendar to record all important events in your life. All the data you record in PiggyBob™ can be handily visualized in graphs.

This entry was posted on Thursday, November 9th, 2006 at 2:42 pm and is filed under Personal finance. You can leave a response, or trackback from your own site.