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You can request and review your free report through one of the following ways:Online: Visit AnnualCreditReport.com.Phone: Call (877) 322-8228.Mail: Download and complete the Annual Credit Report Request form . Mail the completed form to:
Phone: If you order your report by calling (877) 322-8228, your report will be processed and mailed to you within 15 days. Mail: If you use the Annual Credit Report Request Form or write a letter, your request will be processed and mailed to you within 15 days of receipt. Please allow two to three weeks for delivery.
The federal Fair Credit Reporting Act (FCRA) covers not only credit reports but many of these other consumer reports. Under the FCRA, consumer reporting agencies (CRAs) must give you a copy of your report if you request it. Many will provide you a free report once every 12 months.
As a rule of thumb, the distinction between the two types of investigations can be thought of as simply verifying the specific facts about education, employment or other information the applicant has provided to the employer ("consumer report") versus obtaining more general character or personal information through
Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or
When will my report arrive?online at AnnualCreditReport.com you'll get access immediately.by calling toll-free 1-877-322-8228 it'll be processed and mailed to you within 15 days.by mail using the Annual Credit Report Request Form it'll be processed and mailed to you within 15 days of receipt of your request.
What is a Consumer Report? A consumer report contains information about your personal and credit characteristics, character, general reputation, and lifestyle. To be covered by the FCRA, a report must be prepared by a consumer reporting agency (CRA), a business that assembles such reports for other businesses.
You can order reports including your annual free reports from Experian, Equifax, and TransUnion at annualcreditreport.com and we recommend that you check your report with each company at least once per year . But you will have to order the specialty consumer reports individually from each reporting company.
The FCRA requires any prospective user of a consumer report, for example, a lender, insurer, landlord, or employer, among others, to have a legally permissible purpose to obtain a report. Legally Permissible Purposes.
Get written permission from the applicant or employee. This can be part of the document you use to notify the person that you will get a consumer report. If you want the authorization to allow you to get consumer reports throughout the person's employment, make sure you say so clearly and conspicuously.