Under federal law, 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 request your report within 60 days of
receiving notice of the action. 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; you're on welfare; or your report is
inaccurate because of fraud. Otherwise, a consumer
reporting company may charge you up to $9.50 for another
copy of your report within a 12-month period.
Equifax - www.equifax.com
To order your report, call: 800-685-1111 or write:
P.O. Box 740241, Atlanta, GA 30374-0241
For
Fraud Alerts, call: 800-525-6285 and write:
P.O. Box 740241, Atlanta, GA 30374-0241
Hearing impaired call 1-800-255-0056 and ask the operator to
call the Auto Disclosure Line at 1-800-685-1111 to request a
copy of your report.
Experian - www.experian.com
To order your report, call: 888-EXPERIAN (397-3742)
or write:
P.O. Box 2002, Allen TX 75013
For
Fraud Alerts, call: 888-EXPERIAN (397-3742) and
write:
P.O. Box 9530, Allen TX 75013
TDD: 1-800-972-0322
Trans Union - www.transunion.com
To order your report, call: 800-888-4213 or write:
P.O. Box 1000, Chester, PA 19022
For
Fraud Alerts, call: 800-680-7289 and write:
Fraud Victim Assistance Division, P.O. Box 6790, Fullerton,
CA 92634
TDD: 1-877-553-7803
Certain states also have passed legislation
which entitle you to a free report or a report at a reduced
rate.
| If
You Live In: |
Your
First Report Is: |
Additional
Reports Are: |
| California |
$8.00 |
$8.00 |
| Colorado |
Free |
$8.00 |
| Connecticut |
$5.00 |
$7.50 |
| Georgia |
2
Free Reports |
$9.00 |
| Maine |
$2.00 |
$2.00 |
| Maryland |
Free |
$5.00 |
| Massachusetts |
Free |
$8.00 |
| Minnesota |
$3.00 |
$9.00 |
| Montana |
$8.50 |
$8.50 |
| New
Jersey |
Free |
$8.00 |
| U.S.
Virgin Islands |
$1.00 |
$1.00 |
| Vermont |
Free |
$7.50 |
Reporting FCBA violations
The Federal Trade Commission (FTC) enforces
the FCBA for most creditors except banks. The FTC works for
the consumer to prevent fraudulent, deceptive and unfair
business practices in the marketplace and to provide
information to help consumers spot, stop and avoid them. To
file a complaint or to get free information on consumer
issues, call toll-free, 1-877-FTC-HELP (1-877-382-4357), or
use the complaint form at www.ftc.gov.
The FTC enters Internet, telemarketing, identity theft and
other fraud-related complaints into Consumer Sentinel, a
secure, online database available to hundreds of civil and
criminal law enforcement agencies in the U.S. and abroad.
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