How Safe
Is An Online Credit Report?
Online credit report and score advertisements are everywhere you look.
No matter where you look there always seems to be advertisements tell
you to “check your online credit report and score.”
Though, you could possibly be thinking, “I know checking my credit
information is important, is it safe to view my online credit report?”
The answer to this question is…YES! As long as you are cautious to
access your online credit report through a trustworthy credit reporting
corporation, you are protected. The credit reporting bureaus point out
that you may be more susceptible to identity theft when your credit
report is sent via the post office. There is a better likelihood that
your “snail mail” credit report could be mis-delivered to a incorrect
address by a mail carrier or intercepted by a criminal.
When talking about online credit reports, you have many alternatives
open to you. The Fair and Accurate Credit Transactions Act (FACT Act),
the three major credit bureaus (Equifax, Experian, and TransUnion) are
required to supply all U.S. citizens with an annual free credit report.
The federal government established an official website,
AnnualCreditReport.com, to provide consumers with a protected, secure
site through which they can order their free online credit reports.
Also, there are a great deal of well known companies out there that can
help you obtain your free online credit report as part of their credit
management or identity theft protection services (like those at
PrivacyMatters.com).
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