Free Annual Credit Report

 The Fair Act free annual credit report program is available to residents of Louisville, Kentucky and Southern Indiana -- in fact its free to all U.S. consumers.

From: Kate Rieger, President
Second Opinion Solutions Group, LLC
Corydon, Southern Indiana
Tuesday 08:33am

Kate Rieger  Your Free Annual Credit Reports

These free credit reports give you the right to request free credit reports if, after applying for a loan, you were the last one to find out that you had negative information on your credit report. 

You can also request free credit reports through the federal law, FACTA.  This law provides you free credit reports from each of the 3 credit bureaus.

You must be told if information in your file has been used against you.

A rule to remember is if you have been denied credit, insurance, or employment -- or any other action taken against you-- then you must be told the name, address and phone number of the agency that provided the information. Its hard to believe that we didn't always have this right.

One of the driving forces behind improvements to credit reporting specifically and to consumer rights in general has been the flooding tide of identity theft. Imagine not being able to dispute the contents of a credit report without having to go to court. No wonder identity theft reached pandemic proportions.

Free Reports from Credit Reporting Agencies

You may request a 'file disclosure' to obtain all the information about you in a credit reporting agency's files. The file disclosure is a free. Here is when you can request a free credit report:

• A person has taken adverse action against you because of information in your credit report;

• You are the victim of identify theft and place a fraud alert in your file;

• Your file contains inaccurate information as a result of fraud;

• You are on public assistance;

• You are unemployed but expect to apply for employment within 60 days.

If none of those apply and you prefer to be proactive about the contents of your credit report, you may get a free disclosure every 12 months from each of the 3 major credit reporting agencies. Consider spreading out these free reports every 4 months. That way you can monitor changes (good and bad), deletions and additions to your credit reports at each of the credit bureaus.

The Fair Act free credit reports Annual Credit Report Service can be reached at 1-877-322-8228. You will go through a simple verification process over the phone.

Your reports will be mailed to you within 15 days.

• To Request your Fair Act free credit reports by mail download the request form. [To view the file you will need Adobe or our favorite free PDF viewer]

• Print and complete the form

• Mail the completed form to:

Now if you are looking for free help to repair your credit, I've completed a mini-course that I'd like to offer to my Kentuckiana neighbors -- Free! 

Sign up today to start boosting your credit score with  "Extreme Debt Reduction & Credit Score Boosting Strategies That 98% Of Borrowers Will Never Know -- And How You Can Learn These Strategies Too..."

The course has 7 easy-to-follow lessons that you can refer back to at any time. You'll learn the same strategies that one reader,  a small business owner, used to keep from paying 19% interest on car loans to paying less than 8% interest.

To start this free, online mini-course, please complete the short form below and you can start immediately -

Yes Kate - I want to start today!

What others are saying...

Hi Kate,

I couldn't believe it when I received the letter from Transunion saying that they removed my bankruptcy!  You are saving me literally hundreds of thousands of dollars in interest payments for my business.  In fact, I probably wouldn't be in business if I hadn't followed through with your program. 

I recommend your service to everyone.

Randall

Louisville, KY