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As many Americans seek ways to save, people who lived through the Depression tell stories of life without luxuries.
Federal regulators said Tuesday that LifeLock has agreed to pay $12 million to settle charges the company made deceptive claims about its ability to protect customers from identity theft.
How do I find out what my credit score is?
In 2003, the U.S. Congress enacted provisions under the Fair and Accurate Credit Transactions Act (FACTA) that allow consumers to obtain a free credit report every twelve months from each of the three credit bureaus. If you do not already have a copy of your credit report, you can access it online at www.annualcreditreport.com.
You should be aware of many other companies that promise to provide a free credit report often end up charging you a fee or requiring you to subscribe to their services in order to obtain the report. Please note that www.annualcreditreport.com is the only official website that provides this service at absolutely no cost to you. If you do not have computer access or would prefer to use alternative methods to obtain your report, you can do so by calling toll-free, 1-877-322-8228, or by mailing an Annual Credit Report Request Form to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA
30348-5281
www.annualcreditreport.com
The form can be downloaded from www.annualcreditreport.com or from the Federal Trade Commission’s Web site (www.ftc.gov) which provides a wealth of helpful information for consumers. You can also call the FTC’s Consumer Response Center at 1-877-FTC-HELP (4357) to download the form.
You can also request your credit reports directly from the big-three credit bureaus. The contact information is listed below:
Equifax
P.O. Box 740241
Atlanta, GA 30374
800-685-1111
www.equifax.com
Experian
P.O. Box 2104
Allen, TX 75013-2104
888-397-3742
www.experian.com
TransUnion
2 Baldwin Place
P.O. Box 1000
Chester, PA 19022
800-888-4213
www.transunion.com