HOW TO OBTAIN A COPY OF YOUR CREDIT REPORT

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HOW TO OBTAIN A COPY OF YOUR CREDIT REPORT

• LYNN A. OGARROW
• EDIT 652-FALL 2005

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CREDIT REPORTSWHAT ARE THEY ?

• YOUR FINANCIAL HISTORY
• GOOD AND BAD
• WHO DID YOU BORROW FROM?
• WHO DO YOU OWE?
• HOW DID YOU REPAY YOUR DEBTS?

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OTHER DATA ON REPORT

• NAME AND OTHER NAMES KNOWN BY
• DATE OF BIRTH
• SOCIAL SECURITY NUMBER
• ADDRESS AND ADDRESSES
• PHONE NUMBER
• EMPLOYER

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WHO COMPILES THIS DATA?

• CREDIT BUREAUS NATIONWIDE CONSUMER REPORTING
  AGENCIES
• EQUIFAX
• EXPERIAN
• TRANS UNION

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THE ROLE OF FACTA AND FCRA AND THE FTC

• FAIR CREDIT REPORTING ACT
• FAIR AND ACCURATE TRANSACTIONS ACT
• FEDERAL TRADE COMMISSION
• ESTABLISHED FOR CONSUMERS BENEFIT
• TO BE INFORMED ABOUT THEIR CREDIT HISTORY

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HOW TO OBTAIN FREE REPORTS

• INTERNET WWW.ANNUALCREDITREPORT.COM
• PHONE
• 877-322-8228

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• MAIL ANNUAL CREDIT REPORT REQUEST SERVICE
• P.O. BOX 105281
• ATLANTA, GA 30348-5281

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BE WARY OF IMPOSTERS

• THE CONTACT INFORMATION PRESENTED ARE THE
  AUTHORIZED SITES TO GO
• ANY THING ELSE IS FRAUDULENT

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REFERENCES

• WWW.FTC.GOV
• WWW. USPIRG.ORG