Missouri Saves Month is good time to check credit score

Wednesday, February 20, 2013

The Missouri Saves Month observed in February is a good time for people to check their credit report, according to University of Missouri Extension family financial education specialist Vivian Mason.

Every 12 months, individuals can receive a free copy of their credit report from each of the three national consumer credit reporting agencies, Equifax, Experian and TransUnion.

Individuals can request reports from all three agencies at the same time or stagger requests over the year, Mason said. Be prepared to give your name, address, Social Security number, date of birth, and previous address if you have moved in the past two years.

Indivduals can request credit reports online at www.annualcreditreport.com. When ordering online, individudals should be able to access their report immediately after answering questions to give their identity.

Orders can also be completed by calling a toll-free number, 877-322-8228. The credit report will be processed and mailed within 15 days.

A printable order form is available at www.ftc.gov/bcp/edu/resources/forms/requestformfinal.pdf. Mail the completed form to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. The request should be processed and the report mailed within 15 days.

For more information about Missouri Saves Month, go to www.missourifamilies.org/mosaves.

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