CREDIT REPORTS | ANNUAL CREDIT REPORT REQUEST SERVICE
Provides a centralized service for individuals to request credit reports (also called a credit file disclosure). Under the Fair and Accurate Credit Transactions Act (FACT Act) individuals can request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies: Equifax, Experian and TransUnion. Upon request, a "fraud alert" can be placed in your file to let potential creditors and others know that you have been a victim of identity theft. Also, upon request may "freeze" credit report and scores, but will have to request to lift the freeze before doing business that requires a credit check.
Categories
Data provided by
211 Cleveland
Physical Address
Hours
24 hrs a day, 7 days a week.
Voice
Application process
Credit reports can be requested by phone, mail, or on the Website anytime. Credit reports requested through the Website are sent immediately. Those requested by phone or mail are sent within 15 days.
Fee
Free for a credit report (does not include your credit score, a three-digit grade based on your report). Credit scores can be obtained at a fixed cost from each of the three credit reporting companies. Additionally, there may be a charge to place or lift a "freeze" (lock up credit report and scores).
Eligibility
Individuals can only receive service once every 12 month period from each of the three participating credit report companies. Therefore, it is suggested that individuals request this information on a staggered basis throughout the 12 months from each of the three credit companies.
Agency info
ANNUAL CREDIT REPORT REQUEST SERVICE
Provides a centralized service for individuals to request credit reports. Under the Fair and Accurate Credit Transactions Act (FACT Act) individuals can request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.