FREE Annual Credit Report
Under amendments to the Fair Credit Reporting Act, members are entitled to one free credit report from each credit reporting agency every 12 months. It is a good idea to order one from each credit bureau at different intervals. That way, you can order one report every 4 months to see if there is any false information being reported by a bureau. It will allow you to catch false information sooner than waiting a full year. Getting your free credit report online is quick, easy and secure.
"Freeze" Your Credit Report
Under a new law, every Illinois consumer has the right to place a security freeze on their credit report, beginning January 1, 2007. A security freeze puts a lock on your files with the three major credit reporting agencies so that potential creditors cannot access your credit history without your permission. To learn more about this, visit the Illinois Attorney General's website and click on "Placing a Security Freeze on your Credit Report".
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