In the spirit of Financial Literacy Month, Data Facts has compiled a list of very important numbers and websites for consumers.
To obtain a credit report:
www.annualcreditreport.com This site allows you to request a free credit report from all 3 bureaus once every 12 months. Call 1-877-322-8228 to order the report by phone.
To get on the Do Not Call List:
Call 888-382-1222 from the phone you wish to register, or go to www.donotcall.gov . Due to the Do Not Call Improvement Act of 2007, phones that are registered will remain on the list permanently (previously it expired after 5 years).
To opt out of mail solicitation and pre-screened offers:
Call 1–888–567–8688 or visit www.optoutprescreen.com . You are able to opt out electronically for 5 years. To opt out permanently, you will need to print out the form and mail it in.
To contact the Credit Bureaus:
To create a letter disputing errors on your credit report:
Under the FCRA, both the credit reporting company and the information provider are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under this law, contact the credit reporting company and the information provider. Visit http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre21.shtm for a sample dispute letter.
Other important numbers to have on hand:
- Your insurance agent
- Your health insurer
- Your bank’s main AND local branch
- Your brokerage house
- All of your credit card issuers
Utilize these websites and numbers to make sure you welcome the month of May prepared and in top financial condition!