StopScum

Visit www.AnnualCreditReport.com for your Free Credit Report. The United States is divided into 4 regions with effective launch dates for each. The Western States is already open for your Free Report. You will need to copy and paste this URL into your browser since this site prevents nearly every other web site on the face of the planet from linking to it. Are they trying to keep it a secret and reduce costs? At a minamum, this action is deplorable. If you try a link from your site to theirs you will see this:

"For security purposes, www.AnnualCreditReport.com can be accessed by typing the web address "www.annualcreditreport.com", or from links from the Federal Trade Commission (www.ftc.gov), Equifax (www.equifax.com), Experian (www.experian.com) and TransUnion (www.transunion.com) websites.

AnnualCreditReport.com is the only web source authorized by all three nationwide consumer credit reporting companies from which free annual credit file disclosures can be requested."

This site is the result of the US Federal Law so you can rest assured that it's not only safe/secure but legitimate. We suggest you mark you calendar for the date you wish to retrieve your reports and do this every 12 months.

Print and then carefully review your Credit Reports for accuracy. If you find data that is not accurate, you have the right to dispute these entries by contacting each of the major Credit Reporting agencies. You need to contact all 3, since some lenders may only use one of them. Fortunately, they all have Web sites:

Equifax - www.equifax.com
Experian - www.experian.com
TransUnion - www.transunion.com

Each agency has a slightly different procedure and form for disputing your Credit Report. We suggest that you save all your correspondence and send the dispute forms via Certified Mail. The Internet is full of companies that claim they can improve your credit report for a fee. HA! No thank you. Read this:

"The Federal Trade Commission (FTC) cautions consumers to be wary of companies that make claims regarding credit repair. These companies, commonly called credit clinics, don't do anything for consumers that consumers cannot do for themselves at little or no cost. Beware of any organization that offers to create a new identity and credit file for you. The FTC and state attorneys general have filed actions against those who pursue these fraudulent practices. Here are some warning signs that the FTC and others say consumers should look out for to determine if they might be dealing with a credit clinic:" Click here to read more.