One of the steps a person should take before retiring is to check their credit report. While still working may be the proper financial time to pay off some bills before making that leap and losing monthly payroll checks! Review your credit report before you retire!
You really can obtain a free copy of your credit report.
Under a narrow set of circumstances, you are entitled to a free copy of your credit report directly from the credit reporting agencies. If you have been denied credit, goods, benefits, services, employment or insurance, Equifax, Experian and TransUnion are statutorily mandated under the Fair Credit Reporting Act to provide a copy without charge.
- Equifax can be contacted at (800) 685-1111 or online at www.Equifax.com.
- Experian can be contacted at (888) 397-3742 or online at www.Experian.com.
- Trans Union can be contacted at (800) 916-8800 or online at www.TransUnion.com.
When ordering credit reports, be sure to indicate that you were denied credit, goods, benefits, services and/or employment when prompted. Absent these exceptions, you are entitled to one free “annual credit report” per year.
For your free annual credit report, contact the central source at 877-FACT-ACT (877-322-8228) or online at www.AnnualCreditReport.com. Follow the voice prompts and obtain your credit report for review.
Credit scores are not included with any of the “free credit reports” provided by the national credit reporting agencies of Equifax, Experian and TransUnion.