Credit Troubles

Check Your Credit Records with a Truly Free Credit Report

Thanks to a new website created by the three major credit bureaus in cooperation with the Federal Trade Commission, you may get a free credit report from each of the three credit agencies every 12 months. You may also choose to request the report from just one agency every four months so that you can space out your free credit report and monitor it all year without any fees. Either way, you will get one, two or three credit reports instantly after answering a few questions on the following website: annualcreditreport.com. In addition to the voluntary free credit report offered there, Maine law provides that Maine citizens are entitled to a free credit report every year. If you do not have access to the Internet, you may request your free credit report by phone by calling: 1-877-322-8228, or by mail by writing to:

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

If you find any information that is not accurate, you have a right to have that information corrected. If you find many open credit accounts that you no longer use, you can improve your credit rating by closing unnecessary credit card or credit line accounts.