Credit Report Access

Millions of Americans can more easily get access to their credit report and to correct any errors thanks to the Fair Credit Reporting Act. This is important to you because businesses use credit reports to decide whether you can borrow money or not.
If you want to contact any of the three major credit bureaus - Experian, (formerly TRW), Equifax and Transunion - here are their main numbers along with the numbers to call if you want to get off mailing lists:

If you are a victim of identity theft, make sure you take the following action. Immediately file a fraud alert with all three credit bureaus: Experian; www.experian.com, Equifax; www.equifax.com and Transunion; www.transunion.com. File a police report. Call the FTC ID theft hotline at (877) 438-4338 or visit their web site at http://www.consumer.gov/idtheft. Continually check your credit reports and close any accounts that do not belong to you.

Features of the Fair Credit Reporting Act are:

• Banks, retailers and others who furnish information to credit bureaus must clean up their records so errors don't reappear.
• Credit bureaus must offer toll-free phone numbers.
• Potential employers can't get a credit report without a job applicant's permission. And, before denying a job based on a credit report, an employer must give the applicant a copy.
• The big three credit bureaus (Experian, Equifax and Transunion) must share information so consumers can call one company to have their name removed for two years from lists of "prospects for pre-approved" credit offers.
• Penalties for obtaining credit reports under false pretenses now include big fines and up to two years in jail.

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