| Under
federal law, you're entitled to a free report if a company takes
adverse action against you, such as denying your application for
credit, insurance, or employment, and you request your report within
60 days of receiving notice of the action. The notice will
give you the name, address, and phone number of the consumer
reporting company. You=re also entitled to one free report a
year if you're unemployed and plan to look for a job within 60 days;
you're on welfare; or your report is inaccurate because of fraud.
Otherwise, a consumer reporting company may charge you up to $9.50
for another copy of your report within a 12-month period.
Equifax
- www.equifax.com
To order your report, call: 800-685-1111 or write:
P.O. Box 740241, Atlanta, GA 30374-0241
For
Fraud Alerts, call: 800-525-6285 and write:
P.O. Box 740241, Atlanta, GA 30374-0241
Hearing impaired call 1-800-255-0056 and ask the operator to call
the Auto Disclosure Line at 1-800-685-1111 to request a copy of your
report.
Experian
- www.experian.com
To order your report, call: 888-EXPERIAN (397-3742) or write:
P.O. Box 2002, Allen TX 75013
For
Fraud Alerts, call: 888-EXPERIAN (397-3742) and write:
P.O. Box 9530, Allen TX 75013
TDD: 1-800-972-0322
Trans
Union - www.transunion.com
To order your report, call: 800-888-4213
or write:
P.O. Box 1000, Chester, PA 19022
For
Fraud Alerts, call: 800-680-7289 and write:
Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92634
TDD: 1-877-553-7803
Certain states also
have passed legislation which entitle you to a free report or a
report at a reduced rate.
| If
You Live In: |
Your
First Report Is: |
Additional
Reports Are: |
| California |
$8.00 |
$8.00 |
| Colorado |
Free |
$8.00 |
| Connecticut |
$5.00 |
$7.50 |
| Georgia |
2
Free Reports |
$9.00 |
| Maine |
$2.00 |
$2.00 |
| Maryland |
Free |
$5.00 |
| Massachusetts |
Free |
$8.00 |
| Minnesota |
$3.00 |
$9.00 |
| Montana |
$8.50 |
$8.50 |
| New
Jersey |
Free |
$8.00 |
| U.S.
Virgin Islands |
$1.00 |
$1.00 |
| Vermont |
Free |
$7.50 |
|
|
Reporting FCBA
violations
The Federal Trade Commission (FTC)
enforces the FCBA for most creditors except banks. The FTC works for
the consumer to prevent fraudulent, deceptive and unfair business
practices in the marketplace and to provide information to help
consumers spot, stop and avoid them. To file a complaint or to get
free information on consumer issues, call toll-free, 1-877-FTC-HELP
(1-877-382-4357), or use the complaint form at www.ftc.gov.
The FTC enters Internet, telemarketing, identity theft and other
fraud-related complaints into Consumer Sentinel, a secure, online
database available to hundreds of civil and criminal law enforcement
agencies in the U.S. and abroad. |
