 Due to the Fair and Accurate Credit Transactions Act (FACT
Act),
Minnesotans are able to order one free credit report per year from each of the
3 major consumer credit reporting companies -- Equifax, Experian and TransUnion.
This is a major step forward for people concerned with keeping identity thieves
out of business. RBCU would like to encourage all members to order your report
from each one of these companies.
This is your opportunity to examine your reports for mistakes. Any accounts
or cards that you feel don’t belong on your credit report may be signs
of identity theft. RBCU joins many other financial analysts in recommending that
you elect to order 1 report from just 1 of the 3 companies every 4 months. We
believe that this is the method for maximizing your ability to get 1 free report
12 months from each of the companies. By receiving a “fresh” credit
report on a more regular basis you stand a much better chance of catching identity
theft before it gets out of control. Be sure to save your reports and be sure
to compare reports side by side, both old to new and one company’s report
to another.
Once on the official website, choose any
of the reporting agencies and fill out the personal information form. Finish
the form and pick a user name and password. You will then be asked to verify
your identity. This verification may include questions about loans you currently
have open. Next, submit your forms. This should bring up the report in question.
Repeat steps 1 through 3 for each of the companies when you feel it is in
your best interest to do so. Remember, only 1 report per 12 months per company
is free!
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To
receive your free credit reports online, visit the official website: 
www.annualcreditreport.com
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