Free Annual Credit Report
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Free annual credit reports are available from the three nationwide consumer credit reporting companies.
Ordering your free report is an important part of identity theft protection.
- Free / no cost to eligible clients
Get information online from the Federal Trade Commission about obtaining your annual free credit reports.
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DM-1500.1640Credit Reporting Agencies Definition
Organizations that maintain credit history records and make available to prospective lenders, insurers, landlords and employers (as well as to consumers themselves) reports that document the individual's past borrowing and repayment activity including information about late payments and bankruptcies. Information in credit reports is used to calculate credit scores (a numerical representation of the likelihood that a consumer will meet future financial obligations) which are used to determine the interest rate people receive on their mortgage, car loan, credit cards, auto insurance and other forms of credit.
FN-1500.2570Identity Theft Prevention Definition
Programs that attempt to reduce the incidence of identity theft by making people aware of the means by which thieves obtain the personal information they use to assume another's identity and steps that can be taken to protect that information. Suggestions include regularly reviewing credit reports for fraudulent accounts; destroying important papers including pre-approved credit applications and credit card receipts using a crosscut shredder; taking care at ATM machines and in other public venues that there are no observers stealing PIN numbers or eavesdroppers recording information provided orally; picking up new checks rather than having them mailed home; omitting telephone numbers from checks; mailing bill payments from a post box rather than a home mailbox; regularly monitoring bank statements; and other similar precautions. Identity theft occurs when someone fraudulently obtains private information about an individual, e.g., his or her Social Security number, uses it to apply for credit in that person's name, runs up large bills and then disappears without paying the bills leaving the victim with ruined credit. Identity thieves may also purchase expensive medical services in the victim's name or give the victim's name and personal information to a law enforcement officer during an investigation or upon arrest leaving the individual vulnerable to large medical bills or subject to arrest.
YB-9000Young Adults Definition
Individuals who are generally between the ages of 18 and 25 depending on the ages that specific programs use for qualification.