If you find inaccurate or suspicious information on your credit report, you should let the credit bureau know what you believe is inaccurate. What should I do if I find inaccurate information on my credit report? See the link for each credit bureau below: Both bureaus allow you to view your credit report more often than once every 12 months if you do so through your online account. You may also set up online accounts with Equifax and Experian to view your credit reports. The last option is mailing a completed Annual Credit Report Request Form, which you can print from This option will take the longest, as the report will not be mailed to you until 15 days after receipt of the form. If you prefer, you can call 1-87 to verify your identity and request your credit report, which will be mailed to you within 15 days. The easiest option is by submitting a request through This central secure website set up by the three credit reporting bureaus allows you to see your credit reports immediately after verifying your identity. You have three options for requesting your free credit report each year. See the frequently asked questions below to learn how to request your free credit reports and put a freeze on your credit. It is best practice to freeze your credit as well as your children’s, then temporarily lift the credit freeze when necessary. You may also freeze the credit for your children under age 16, helping protect their identity until they need their own credit for applying for financial aid, a credit card, etc. It is free to freeze or lift a freeze on your credit with all three bureaus. This makes your credit report unavailable, with a few exceptions, for opening new credit in your name. The second step is to institute a credit freeze with each of the credit reporting bureaus. It is prudent to take advantage of obtaining copies of your credit reports every year, or as often as weekly through April 2021, and report any inaccuracies to the credit bureaus. As a result of the COVID-19 pandemic, the credit bureaus are offering free weekly credit reports online through April 2021. This is an effort to protect consumers by allowing them to review their credit reports frequently, looking for inaccuracies or signs of identity theft. Under the Fair Credit Reporting Act, you are entitled to a free copy of your credit report from each of the three nationwide credit reporting bureaus (Equifax, Experian, and TransUnion) once every 12 months. The first step is to monitor your credit by reviewing your credit reports each year. While you cannot control how companies protect your personal information, there are two easy steps you can take to reduce your risk by protecting your credit. It impacts millions of Americans each year and can be a time-consuming and expensive problem to fix. Data breaches have been increasing significantly over the past few years, and identity theft is one of the most common results of these data breaches. October 16, 2020- One of the many risks to an individual/family’s wealth is identity theft.
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