You already probably have heard that when The Fair Credit Reporting Act was passed you were entitled to a free credit report. You are entitled to this free access to your financial history once every 12 months.

Frequently Asked Questions

How do I get my free credit report?

Most people get them from the FTC authorized website Annual Free Credit Report.com. This resource provides information to you from one of the three major financial bureaus-Equifax, Experian, and TransUnion.

What purpose does this free report serve?

It provides for you a summary of all your recent and past transactions and payment history. It also provides you with a credit score and helps you become aware of any identity theft problems.

Is there any way other than using the Internet that I can used to obtain my financial info?

You can request a copy of your financial history by mail. You are not likely to receive it instantly but you are probably going to receive it within 15 days. This often is done by people who simply do not feel safe using the Internet.

Can a third party access my financial information?

Usually only authorized, licensed lenders can obtain your financial history. However, this is only done with your consent as you sign a release form.

How does monitoring my credit prevent identity theft?

You will be alerted about any unauthorized transactions as soon as possible. This will be the first step in taking action that will help get your record cleared. It could save you from a world of trouble.

How can I better protect myself from future identity theft?

Shred all-important financial documents when no longer needed. Store all financial information in secure places where no one can find it. Furthermore, choose very carefully where you shop online and do not give your credit card or banking information to vendors you do not know.