[categories: Washington Bankruptcy Attorney]
Ordering your Credit Report – Tip-off: consider doing it in phone or by mail.
If you order by phone or mail, you will receive a paper credit report that is more information and is easier to read than the electronic version. I understand that if you order your credit report on-line, there may be a risk that you might waive your right to take the credit bureaus to court. (I am checking into this waiver – it is new info for me – so check into a later edition of this blog by using our Google Site-Search of our blog on www.washingtonbankruptcy.com to see if I have had a chance to follow up with an explanation).
You can get your free credit reprots from the centralized request service by:
(1) going to www.annualcreditreport.com;
(2) calling 877-322-8228; or
(3) completing the Annual Credit Report Request Form and mailing it to: Annnual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. You can download the form at www.ftc.gov/credit.
You need to provide your name, address, Social Security number, and date of birth. If you have moved in the last two years, you may have to provide your previous address. To maintain the security of your file, each credit bureau may ask you for some information that only you would know, like the amount of your monthly mortgage payment.
Source: National Consumer Law Center’s "Guide to Surviving Debt" pgs 39-41, Deanne Loonin, 2010 edition, Library of Congress Control #2010920702, ISBN 978-1-60248-065-0. www.consumerlaw.org