In the spirit of Financial Literacy Month, Data Facts, Inc. has compiled a list of very important numbers and websites for consumers to add to their Financial Information Library.
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 1-888-382-1222 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.
- EQUIFAX: Call 1-800-685-1111 or visit them online at www.equifax.com
- EXPERIAN: Call 1-888-397-3742 or visit them online at www.experian.com
- TRANSUNION: Call 1-800-888-4213 or visit them online at www.transunion.com
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 information in your report. To take advantage of all your rights under this law, contact the credit reporting company and the information provider. For a sample credit dispute letter, visit https://www.consumer.ftc.gov/articles/0384-sample-letter-disputing-errors-your-credit-report
Additional important numbers to have on hand:
- Your insurance agent
- your health insurer
- your bank's MAIN and LOCAL branch
- All of your credit card insurers
Utilize these websites and numbers to make sure you welcome the month of May prepared and in top financial condition! For additional information please go to http://datafacts.com/consumer-resources