Get Your Free Credit Report.
Check Accuracy. Guard Against Identity Theft. Know Your Credit History
Three options to order your credit report:
- Click on http://www.annualcreditreport.com/
- Call 1-877-322-8228 or
- Complete an Annual Credit Report Request Form and mail it to:
Annual Credit Report Request Services
P.O. Box 105281
Atlanta, GA 30348-5281
The credit reporting agencies have established one central website, toll free number and mailing address through which you can order your free annual report. You may order your reports from each of the three nationwide consumer reporting companies at the same time, or you can order from only one or two. The law allows you to order one free copy from each of the nationwide consumer reporting companies every twelve months.
Reviewing your credit report.
A credit report contains information on where you live, how you pay your bills, and whether you have been sued, arrested, or filed bankruptcy. This information is sold to creditors, insurers, employers and other businesses that use it to evaluate your applications for credit, insurance, employment or renting a home.
There are three basic reasons to get a copy of your credit report. First, you will want to make sure the information is accurate, complete and up-to-date. Second, reviewing your credit report annually can help guard against identity theft. That is when someone uses your personal information to commit fraud. Finally, the information in the report affects your ability to obtain a loan and how much you will have to pay to borrow.
Jackson County Bank strongly encourages consumers to obtain their credit report from each agency on an annual basis.