Free credit check report Colorado

The FTC said Experian's Internet sites, www.freecreditreport.com and www.consumerinfo.com, failed free credit check report Colorado to adequately disclose that consumers who ordered their credit reports would automatically be charged $79.95. The FTC also alleged that Experian sought free credit check report Colorado to associate its Internet sites with the government-mandated free credit-report program.

The Internet site for that program, which has been phased in across the country since December 2004, is www.annualcreditreport.com. Experian has improved disclosures on its Web sites.

Now, consumers who click on to the sites will see a box on the first page advising them that when they order free credit check report Colorado their free credit report, they'll free credit check report Colorado be signed up for the credit-monitoring free credit check report Colorado service. Experian also agreed to provide refunds to some customers. Consumers free credit check report Colorado who enrolled in the credit-monitoring free credit check report Colorado service from 2000 to 2003, canceled the service and disputed the charges may be eligible. identity theft credit report If you believe you qualify for a refund and want more information, go to www.ftc.gov/freereports or call free credit check report Colorado 202-326-3457. The FTC settlement with Experian doesn't resolve an ongoing problem: "impostor sites" that attempt to hijack consumers seeking to order free credit reports. These sites use misspellings and sound-alike names to misdirect consumers to sites unrelated to the government-mandated site. The FTC has sent free credit check report Colorado letters to 130 impostor sites warning them that attempts to mislead consumers are illegal. Researchers for the World Privacy Forum, a consumer education organization, found 112 sites in June that were using some combination or close spelling of "annual credit report." Some of the sites asked for Social Security numbers, birth dates and other sensitive information, the World Privacy Forum report said. my credit report Others directed consumers to sites that sell identity theft or other credit-related products and services, the report said. Consumers land on impostor sites in two primary ways: by mistyping the name of the official Internet site, or by using a search engine and clicking on the wrong result, the report said.

If you're planning to exercise your right to order free credit reports, there are several ways to protect yourself: Link to the legitimate site through the Federal Trade Commission's Internet site, www.ftc.gov. When you go to www.ftc.gov, you'll see two buttons that link to the official site, says Lydia Parnes, director of the FTC's Bureau of Consumer Protection. Be wary of any site that promises a free credit report, then asks for your credit card number. That may be an indication that you've landed on an impostor site. Don't respond or reply to e-mails, pop-up ads or phone calls that claim to come from www.annualcreditreport.com or one of the credit-reporting agencies. If you're uncomfortable with Internet security, consider ordering your credit reports by phone or mail.

To order by mail, print out the request form from www.annualcreditreport.com, fill it out and send it to: Annual Credit Report Request Service, P.O. official credit report Free credit reports were mandated by a federal law free credit check report Colorado enacted in 2003. The program has been rolled out across the country since December, starting with the West Coast. East Coast residents free credit check report Colorado will be eligible to order their free reports starting Sept. The law allows you to obtain one annual credit report from each of the credit-reporting agencies. You can order them all at once or stagger your requests so you can review a report every three months.