With uncertainty all around us, we have to remind ourselves that there are still ways to take control of our finances. And what better way to do that than by celebrating Financial Literacy Month during the month of April. In recognition of the ways you can improve your financial wellbeing, we’ve put together a list of important numbers and websites for consumers to add to their financial information library.
To obtain a credit report:
Visit www.annualcreditreport.com. Here, you can 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. Doing this will exempt you from electronic offers 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, check out this example from The Balance.
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
As many lenders have tightened up credit score requirements due to the COVID-19 crisis, it’s more important than ever to make sure you’re practicing financial responsibility, especially if you’re planning to take out a mortgage loan. For additional financial literacy information, check out our Consumer Resources Page.