TRIAD Tips: Checking credit

The Office of Consumer Affairs and Business Regulations reminds consumers that they are entitled to one free credit report every 12 months from each of the three national consumer reporting companies, Experian, Equifax and TransUnion.

It is important to check credit reports regularly for accuracy and signs of fraudulent activity, especially with the increase in identity theft. To receive a free credit report, call any of the three reporting companies or visit www.annualcreditreport.com. Beware of other websites or unsolicited e-mails offering free credit reports. These sites that are not affiliated with the government-mandated free credit report program may claim to offer “free” credit reports; however, the reports are tied to the purchase of other products.

For a free credit report, follow these important steps:

· Steer clear of sites that promise free credit reports and then ask for credit card information.

· Do not respond to e-mails, pop-up ads or phone calls that claim to come from www.annualcreditreport.com or one of the credit reporting agencies. These may be scams seeking your personal information.

· Remember, there is only one official free credit report website. Access it by visiting the Federal Trade Commission at www.ftc.gov or directly at www.annualcreditreport.com.

· If you are uncomfortable with Internet security, order credit reports by phone or mail. Equifax, 1-800-685-1111. Experian, 1-888-EXPERIAN (397-3749). TransUnion, 1-800-888-4213.

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