Request a Copy of Your Credit Report
The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies – Equifax, Experian, and TransUnion – to provide you with a free copy of your credit report, at your request, once every 12 months.
If you happen to find any errors on credit billing statements, including charges that you have not made, the Fair Credit Billing Act requires written communication to resolve errors. Send your letter by certified mail, and request a return receipt to document what the credit bureau received and when. Request a “fraud alert” for your file and a victim’s statement asking creditors to call you before opening new accounts or changing your existing ones. In a few months, order new copies of your report to verify your corrections and changes.