Free-and-credit-report Review

Regularly checking your files is the first line of defense against identity theft.

Monitoring your report allows you to catch and dispute errors such as incorrect account balances or accounts you never opened. free-and-credit-report

If you find an error, you should contact both the credit bureau and the company that provided the information. Under the FTC’s guidelines , bureaus are generally required to investigate and respond to disputes within 30 days. Annual Credit Report.com - Home Page Regularly checking your files is the first line

You can also request reports by calling 1-877-322-8228 or by mailing a request form to the Annual Credit Report Request Service . Under the FTC’s guidelines , bureaus are generally

A list of everyone who has accessed your credit report in the last two years.

A credit report is a detailed record of your financial reliability. It is used by lenders, landlords, and even some employers to assess your risk level.