Credit scoring Nashville

Some "imposter" sites use terms like "free report" in their names; others have URLs that purposely misspell annualcreditreport.com in the hope that you will credit scoring Nashville mistype the name of the official site. Some of these "imposter" sites direct you to other sites that try to sell you something or collect your personal information. Annualcreditreport.com and the nationwide consumer reporting companies will not send you an e-mail asking for your personal information. If you get an e-mail, see a pop-up ad, or get a phone call from someone claiming to be from annualcreditreport.com or any of the three nationwide consumer reporting companies, do not reply or click on any link in the message. Forward credit scoring Nashville any such e-mail to the FTC at spam@uce.gov. What information do I need to provide to get my free report? A: 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 nationwide consumer reporting company may ask you for some information that only you would know, like the amount of your monthly mortgage payment. Each company may ask you for different information because the information each has in your file may come from different sources. get a free credit score report

Why do I want a copy of my credit report? A:credit scoring Nashville Your credit report has information that affects whether you can get a loan - and how much you will have credit scoring Nashville to pay to borrow money. You want a copy of your credit report to:

make sure the information is accurate, complete, and up-to-date before you apply for a loan for a major purchase like a house or car, buy insurance, or apply for a job.

That's when credit scoring Nashville someone uses your personal information - like your name, your Social Security number, or your credit card number - to commit fraud.

Identity thieves may use your information to open a new credit card account in your name. Then, when they don't pay the bills, the delinquent account is reported on your credit report. Inaccurate information like that could affect your ability to get credit, insurance, or even a job. free copy of my credit report How long does it take to get my report after I order it? A: If you request your report online at annualcreditreport.com, you should be able to access it immediately. If you order your report by calling toll-free credit scoring Nashville 1-877-322-8228, your report will be processed and mailed to you within 15 days. If you order your report by mail using the Annual Credit Report Request Form, your request will be processed and mailed to you within 15 days of receipt. Whether you order your report online, by phone, or by mail, it may take credit scoring Nashville longer to receive your report if the nationwide consumer reporting company needs more information to verify your identity. There also may be times when the nationwide consumer credit scoring Nashville reporting companies receive a high volume of requests for credit reports. If that happens, you may be asked to re-submit your request. Or, you may be told that your report will be mailed to you sometime after 15 days from your request. If either of these events occurs, the nationwide consumer reporting companies will let you credit scoring Nashville know. Are there any other situations where I might be eligible for a free report? A: Under federal law, credit scoring Nashville you're entitled to a free report if a company takes adverse action against you such as denying your application for credit, insurance, or employment and you ask for your report within 60 days of receiving notice of the action. best free credit report website The notice will give you the name, address, and phone number of the consumer reporting company. You're also entitled to one free report a year if you're unemployed and plan to look for a job within 60 days; if you're on welfare; or if your report is inaccurate credit scoring Nashville because of fraud, including identity theft. Otherwise, a consumer reporting company may charge you up to $9.50 for another copy of your report within a 12-month period.