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Forth if applicable your spouses name if youre

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forth, if applicable Your spouse’s name, if you’re married Your date of birth Credit Reporting Agencies, Reports, and Scores 167
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Credit Hell Your Social Security number • Your current address and former address, if you’ve lived at your current address for less than five years The name of your current employer • Your daytime and evening phone numbers with area codes The Cost of Your Credit Report As you have already learned, FACTA entitles you to a free annual credit report upon request from each of the three national credit reporting agencies and you are also entitled to a free credit report under specific circumstances. How- ever, if you want to order copies of your credit reports when federal law does not provide for a free report, the cost per credit report in most states at the time this book was written is $9.00. Some states may add sales tax to the total cost. Also, some states entitle their residents to re- duced cost or free credit reports (in addition to the free an- nual report). Those states are: Colorado: One free copy a year; $8.00 for each addi- tional copy Georgia: Two free credit reports a year Maine: $2.00, plus copying charges for each copy Maryland: One free report each year and $5.00 for a second copy in same year Massachusetts: One free copy each year and $8.00 for a second copy in same year 168
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New Jersey: One free copy per year and $8.00 for a second copy in same year Vermont: One free report a year; $7.50 for a second copy in same year If you order your credit report by mail, you must pay with a check or money order. If you place your order by phone or online, you must pay with a major credit card. Stay Alert for Problems Read each of your credit reports carefully. As you will no- tice, the credit reports produced by Equifax, Experian, and TransUnion each have a different format and some formats are easier to read and understand than others. If you are confused about any of the information in your credit re- port, read the instructions that should have accompanied it. If you are still confused, call the credit reporting agency that produced the report. By law, the company must have staff available to help you understand your report. As you review each of your credit reports, be alert for the following types of errors: Information that doesn’t apply to you. • Inaccurate information about your accounts. For exam- ple, although you have always paid your accounts on time, your credit history shows that you were late three times with your payments on one of your accounts. • Out-of-date information. For example, after you fell behind on your income taxes, the IRS put a lien on your home, but a year later you paid off that debt and Credit Reporting Agencies, Reports, and Scores 169
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Credit Hell the lien was removed. Even so, your credit history shows that there is still a lien on your home.
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  • Spring '12
  • zinctolg
  • credit score, Credit history, Fair Credit Reporting Act, CREDIT REPORTING AGENCY, credit reporting agencies

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