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Protecting Your Credit

Protecting Your Credit

Your credit report

Getting your credit report periodically is an important step in protecting your identity.

One of the best ways you can protect your credit is by taking advantage of your free annual credit report. The Federal Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies to provide you with a free credit report, at your request, once every 12 months. Get your free annual credit report from the FTC authorized source.

Get your credit report here

You can also order your free annual credit report by calling 1.877.322.8228, or by completing the Annual Credit Report Request Form and mailing it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

When you order your annual credit report, you need to provide your name, address, Social Security number, and date of birth. To verify your identity, you may need to provide some information that only you would know, like the amount of your monthly mortgage payment.


Read more at FTC.GOV. You have the right to a free credit report from AnnualCreditReport.com or 877.322.8228, the ONLY authorized source under federal law.

Sandia Area will only advise you to use AnnualCreditReport.com

The Federal Trade Commission advises consumers who order their free annual credit report online to be sure to correctly spell “annualcreditreport.com,” or link to it from Sandia Area’s website to avoid being misdirected to other websites that offer supposedly free annual credit reports, but only with the purchase of other products. While consumer may be offered additional products and services while on the authorized website, they are not required to make a purchase to receive their annual credit report. 

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