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Consumers are entitled to receive one free credit file disclosure every 12 months from each of the nationwide consumer credit reporting companies through the Central Source. It is entirely the consumer's choice whether to order all three credit file disclosures at the same time or order one now and others later. The advantage of ordering all three at the same time is that you can compare them. (However, you will not be eligible for another free credit file disclosure from the Central Source for 12 months.) On the other hand, the advantage of ordering one now and others later (for example, one credit file disclosure every four months) is that you can keep track of any changes or new information that may appear on your credit file disclosure. Remember, you are entitled to receive one free credit file disclosure through the Central Source every 12 months from each of the nationwide consumer credit reporting companies – Equifax, Experian and TransUnion – so if you order from only one company today you can still order from the other two companies at a later date. To assure that your credit file
is disclosed only to you, the nationwide consumer credit reporting companies
will authenticate your identity utilizing the personal identification information
you provide on this site, including, but not limited to, your Social Security
number, and then require that you answer certain questions. For your protection,
if your identity cannot be authenticated for online delivery of your credit
report, you will receive further instructions on how to request your report
for delivery by the U.S. Postal Service. Failure to authenticate for online
delivery of your annual credit file disclosure is not an indicator of fraudulent
activity or identity theft.
- Dec 3, 2004
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