How do I get a FREE copy of my Credit Report?

• Log on to www.annualcreditreport.com, or
• Call toll-free 877-322-8228, or
• Mail an Annual Credit Report Request Form to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281

Information on where you live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy are all contained in your credit report. Review 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. This review will also allow you to help guard against identity theft by insuring that no one else has used your name, your Social Security number, or your credit card number to open new accounts in your name.

• Want help reviewing your report?  Contact us for additional information or to schedule your appointment. 
• You may order your reports from each of the three nationwide consumer reporting companies at the same time, or you may stagger your requests. It's your choice. Some financial advisors suggest that staggering your requests during a 12-month period is a good way to keep an eye on the accuracy and completeness of the information in your reports.
• One additional consideration: your free credit report does not include your credit score. You can purchase this additional information when you request your free annual credit report through the web site.