Haven’t you heard enough lately about companies losing your personal information, having their data bases systems hacked into or worse selling it to people they later found out to be criminals? You can do your part to monitor your credit – and it’s free.
All Ohioans are eligible to receive one free credit report from each of the three major credit-reporting bureaus (TransUnion, Equifax and Experian).
It is recommended that everyone obtain their free copy from each of the three reporting bureaus and review for errors and inaccuracies. Securing a copy and reviewing it annually will enable you to see who has requested copies of your credit reports and see if any new credit has been granted in your name of which you may not be aware. It is a preventative step everyone shoud take to minimize the risk of becoming a victim of identity theft.
While the credit reports are free, you will have the option to pay if you would like to know your FICO score which is commonly used by the credit community. You can get your report without getting your FICO score.
In order to process your request, you will be required to provide your name, address, phone number, social security number and with whom you have a mortgage and the mortgage payment.
You can obtain your credit report in one of the two ways; by telephone at 877-322-8228 or at www.annualcreditreport.com.
Looking for more information on identity theft risks? Be sure to check out the September issue of COSE Update magazine.
Topics: Litigation Advisory Services