No Hidden Fees… For Real

As has been said a few times, credit lending and checking your credit scores are big deals. Peoples’ ability to take out loans and make purchases can be based entirely on a three digit number. So obviously your credit score is something worth managing and taking care of. However, if you do not care too much about paying for software or services that merely approximate your credit score, you might want to give annualcreditreport.com a look.

According to the Federal Trade Commission, AnnualCreditReport.com is the only authorized, official website that can give consumers their credit reports. Ever since the passing of the Fair and Accurate Credit Transactions Act, consumers are entitled to an annual credit report that is completely free and this website is the place to go for it. Every twelve months consumers can request the report – but be sure to go to this website and not to other places that make you pay hidden fees, etc.

In order to request your report, call 1-877-322-8228 or fill out a request form at https://www.annualcreditreport.com/cra/order?mail and send it off to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. If, when you receive your annual credit report, you see certain discrepancies in your report, such as accounts you don’t recognize, or expenditures that do not match your records, be sure to dispute it! This is what your report should be all about. Make sure that you can get in contact with the appropriate authorities concerning the content of your report. You can learn how to dispute facts in your report at the site http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre21.pdf.

www.annualcreditreport.com again is the only website that can officially give you your annual report free of charge. Do not be fooled by the other websites, all catchy jingles aside, who also advertise that they give you a free credit report. In actuality, consumers have filed reports claiming that these sites force them to pay hidden fees. Annual Credit Report is the only website authorized by the Federal Trade Commission to handle these reports and give them to consumers completely free of charge.

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Chris Buchheit

Chris Buchheit was born under the hot Floridian sun during some year in the 1980s. There he studied school matters until moving to North Carolina in 1999. Possibly due to the fact that his mom had enough of him being inside all the time, he quickly got involved in community affairs via the Boy Scouts of America, where he learned the values of citizenship, morality, duty to God and country, and that the biggest kids get to boss around the smaller ones. Chris attained the rank of Eagle Scout in 2004, and still values the rank as one of his proudest achievements. Beginning in 2006, Chris began attending the University of North Carolina at Chapel Hill, where he quickly learned the value of basketball and poplar trees. Since attending UNC, Chris has been double majoring in Asian Studies, with a concentration in Chinese, and Political Science. When he isn’t slaving over his honors thesis, looking up a bunch of Chinese Characters, volunteering, or mindlessly browsing the same websites over and over, Chris enjoys writing short stories and novels. Much to his roommates’ annoyance, he also spends his free time learning to play the guitar. Above all else, though, Chris values God, his family, and his friends. For the future, Chris plans to apply to Georgetown to further his studies in Political Science, hopefully with a concentration on China. Pending acceptance into Georgetown, Chris would like to study while gaining professional experience in a government job in Washington DC.

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