之前在信用分數與信用記錄這篇提過,有聽過朋友說某些州可以每年免費申請一份信用記錄,但我自己沒有嘗試過。前幾天又看到這個訊息,就決定親身體驗去申請一下這份免費的credit report。

節錄自http://www.ftc.gov/freereports
Important information from the Federal Trade Commission, the nation’s consumer protection agency: annualcreditreport.com is the ONLY authorized online source for you to get a free credit report under federal law. You can get a free report from each of the three national credit reporting companies every 12 months. Some other sites claim to offer "free" credit reports, but may charge you for another product if you accept a "free" report.

原來這是聯邦法律賦予的權力啊~所以並不是特定州的居民才可以申請,應該是每個人都可以申請。

圖片正中央處選擇你居住的州,按下request report,之後需要填寫姓名、SSN、地址等個人資料,按下你想要申請哪幾家信用記錄公司,依照指示就可以順利取得並線上列印你的credit report了。

不想要線上申請,也可以電話申請,或郵寄申請。

節錄自https://www.annualcreditreport.com/cra/order?phone

To Request your Credit Report by Phone:
     Call 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. Please, allow 2-3 weeks for delivery.

To Request your Credit Report by Mail:
1. Download the request form (You need an Adobe viewer to view the requested form. Download the free Adobe viewer)
2. Print and complete the form
3. Mail the completed form to:
     Annual Credit Report Request Service
     P.O. Box 105281
     Atlanta, GA 30348-5281
Your reports will be mailed to you within 15 days. Please, allow 2-3 weeks for delivery.

申請credit report的用處是核對信用記錄上的信用卡記錄及貸款記錄,看是否有人盜用你的身份辦信用卡,或有無任何弄錯的記錄,以防止identity theft。據說萬一身份被盜用,必須花上大筆金錢和時間和三大信用記錄公司周旋。因此每年檢查一下你的credit report可以提早發現,及早處理。


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