Credit Resources
AnnualCreditReport.com Federal Law mandates that your credit reports be made available to you on an annual basis. The three credit bureaus, Experian, Equifax and TransUnion all make your annual reports available at www.AnnualCreditReport.com . You are able to get one free report at a time (be sure to print as you see it because you will not be allowed to view a second time). Remember as well, one credit bureau may report entirely different information about you than the other, so be sure to print all three to have a clear profile. Identity Monitoring from CITI This service will allow you to retrieve all credit reports from each three credit bureaus as well as showing you your FICO Score. The fee is not associated with Integrity Credit Repair, it is solely Citi Financial fees at $1 the first 30 days and $12.95 each month thereafter should you decide to continue their service (however, there are no contracts, you may cancel at any time without termination fee). Available at www.IdentityMonitor.Citi.com Fair Credit Reporting Act As credit scores become more and more important to the everyday person's life, it became apparent that some laws governing the credit bureaus were needed. The Fair Credit Reporting Act (FCRA) is the law that governs the credit bureaus and protects consumers. Equifax, TransUnion and Experian The credit bureaus have a lot of helpful information on their sites about credit, and the ability to purchase reports if you have already received your free report for the year. |