February 2006                                   By Attorney General Tom Miller


Get Your FREE Credit Reports

You can spot errors – and detect identity theft.


     You are entitled to a FREE copy of the credit reports compiled by the three national credit reporting bureaus.  You can get one free copy from each company every twelve months.  It’s easy, and it’s important -- you can catch errors, and detect identity theft.


            The credit reporting companies collect information about you -- important information such as if you pay your bills on time, how much you owe, and whether you’ve filed for bankruptcy or been sued or arrested.  The companies sell your information to creditors, insurers, employers, landlords, and other businesses who want to evaluate your credit.


            The three national credit reporting agencies are Equifax, Experian, and Trans Union.  The FTC required them to create a joint clearinghouse for consumer requests, so it’s very easy:  Just go to   Or call toll-free to 1-877-322-8228.  Or write to P.O. Box 105281, Atlanta, GA 30348-5281.  You can order all three reports at once, or you can get them one at a time every four months or so.


            Why should you obtain and examine your credit report?  First of all, it is yours, and you probably should see what lenders and others are reading about you.


C                   Check your credit reports to see if there are any errors -- and then get them corrected.  Millions of credit reports are sold every day, and research shows about one in four credit reports contains an error.  Errors might cause you to pay higher interest rates, or be denied a home loan, credit card, or even a new job.  Federal law and FTC rules give you very specific rights to dispute and correct your credit reports.


C                   Review your credit reports to be sure no one has stolen your identity.  “Identity theft” usually means someone uses your personal information to open new accounts under your name without you knowing it.  Examine your reports, and look for unfamiliar credit card accounts or other suspicious activity, such as incorrect addresses or indications of delinquent payments.


          So, go to   Or go to (the Federal Trade  Commission web site)  for even more information on how, why, where and when to get your free credit report, how to dispute errors, and what to do if you are a victim of identity theft.


      You also can get to this information by going to   If you have complaints or questions, call us at 515-281-5926 or toll-free at 1-888-777-4590.  Or write to the Attorney General’s Consumer Protection Division, Des Moines, Iowa 50319.

Consumer Protection Division   Hoover Building   Des Moines, Iowa 50319   515/281-5926