Free Credit Analyzer
While this online tool is not 100% accurate, if you answer a few questions, it will give you a general idea of what your credit rating score is. Spies Online strongly recommends getting a copy of your real credit report, however, because only then can you find out your real score and be alerted to signs of identity theft.
Fair Credit Reporting Act Rights - All States
Sometimes, you are entitled to get a FREE credit report. According to Experian, "You can find out what is in your file. At your request, a CRA must give you the information in your file, and a list of everyone who has requested it recently. There is no charge for the report if a person has taken action against you because of information supplied by the CRA, if you request the report within 60 days of receiving notice of the action. You also are entitled to one free report every twelve months upon request if you certify that (1) you are unemployed and plan to seek employment within 60 days, (2) you are on welfare, or (3) your report is inaccurate due to fraud. Otherwise, a CRA may charge you a fee of up to nine dollars ($9)."
Additionally, residents of certain states (i.e. California, Colorado, Connecticut, Maryland, Massachusetts, Texas, Vermont, Washington) have some additional rights. For example, Maryland residents can get their credit report once per year for free!
If you want your name and address removed from mailing lists obtained from the main consumer credit reporting agencies, including TransUnion, Experian, Equifax, call 888-5OPTOUT (888-567-8688).
If you are entitled to a free report from Experian, to confirm your eligibility and to request your free copy delivered by U.S. mail, please call 1-866-200-6020 (Note: 866 is a toll-free number). To request a copy of your TransUnion Credit Report by phone, call 800-888-4213. To request a copy of your Equifax credit report by phone, you may call 1-800-685-1111.
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