Free Credit Report

A new law for 2005 requires each of the nationwide consumer reporting agencies to provide you with a free copy of your credit report once a year. For more information and to request your free report visit AnnualCreditReport.com It's important to check your credit report at least once a year. You might be surprised at what you find.

The credit bureaus have online dispute forms you can fill out if you find something on your report that you don't agree with.

Remove Your Name From Credit Card Mailing Lists

Pre-approved credit card offers are sometimes found in the trash and used to apply for credit in your name. Be sure you shred these offers before you throw them out. If you are like me and never even open them, it is best to have your name removed from the mailing lists.

Opt Out
Contact all 3 credit reporting agencies and request that they remove your name from all mailing lists. Call 1-888-5 OPT OUT and request to be removed from all three or send your requests by mail.

• Equifax - mail your request to:
  Options
  Equifax Inc.
  P.O. Box 740123
  Atlanta, GA 30374-0123

• Experian - mail your request to:
  Experian
  901 West Bond Street
  Lincoln, NE 68521
  800-407-1088

• Trans Union - mail your request to:
  Trans Union LLC's Name Removal Option
  P.O. Box 97328
  Jackson, MS 39288-7328

Requests should include the following information:

• First, middle, and last names (including Jr., Sr., III)
• Current address Previous address (if you've moved in the last six months)
• Social Security Number
• Date of birth
• Signature

You may also want your name added to the National Do Not Call Registry if you are tired of telemarketers. Click here to register online.