If one of your New Years Resolutions for 2012 is finally getting your finances under control, one of your first steps is getting your most up-to-date credit report.
The good news? Your credit report, the objective analysis detailing the hard facts of your financial history checked by lenders, insurers, landlords, potential employers and more, is available to you for free.
The bad news? More often than not, your final credit score is impacted by errors, inaccuracies, and outdated information. That makes your review all the more crucial, especially if you’ve recently filed for Northern Virginia bankruptcy.
So how do you get it? You have three options:
- Online: The only authorized source to access your annual credit report online for no charge can be found at www.annualcreditreport.com
- Telephone: 877-322-8228, toll free
- In writing: Complete the “Annual Credit Report Request” form from the FTC and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281
Reports are issued by all three major credit bureaus: Equifax, Experian, and TransUnion. You can request your free report from all three bureaus at once or stagger them throughout the year.
If you have questions about your Virginia, Maryland, or District of Columbia credit report or are dealing with a financial crisis, the Northern Virginia bankruptcy attorneys at The Strong Law Firm may be able to help you determine your best course for a fresh start. Make an appointment for your no-cost consultation today by contacting our offices toll-free at 887-344-8189 or through the online form.
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