May 23rd, 2014 2:33 PM by Jackie A. Graves, President
Do you know if you are eligible for a home loan? You
may want to obtain a copy of your credit report! The information in your credit
report affects whether you can get a home loan and how much you will have to
pay to borrow the money. By checking your credit report, you can ensure that
the information is accurate and up to date.
Did you know that starting November 22, 2003, you can
receive your credit report for free? A recent amendment to the federal Fair
Credit Reporting Act (FCRA) requires each credit reporting agency – Experian,
Equifax and TransaUnion – to provide you with a free copy of your credit
report, at your request, once every year.
to get your free credit report:
The three credit reporting agencies have set up one
central website, toll-free telephone number, and mailing address through which
you can order your free annual report.
the Web: www.annualcreditreport.com
Mail in this Annual
Credit Report Request Form to:
Credit Report Request Service