Credit Reports offered by U.S. Federal Trade Commission's Northwest Regional Office
Credit Reports offered by U.S. Federal Trade Commission's Northwest Regional Office
Authorizes a free credit report for consumers once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion through the Free Credit Reporting Act. Additionally, users can check their credit report on the website once a week. Credit reports include identifying information and information about a consumer's credit history. The information can affect someone's chance to get a job, rent or buy a place to live, and buy insurance. Credit bureaus sell the information in your report to businesses that use it to decide whether to loan money, give credit, offer insurance, or rent a home. Consumers who review their credit report regularly can help protect their credit history from errors and spot signs of identity theft. A credit report is available before 12 months if the consumer gets a notice saying their application for credit, employment, insurance, or other benefit has been denied, or another unfavorable action has been taken based on information in their credit report. Ask for your report within 60 days of getting the notice.
Location
915 2nd Avenue, Seattle, WA 98104
Hours
24 hours daily.
Application process
Call or visit website. Visiting website grants immediate access to credit reports whereas callers must wait for the reports to be mailed within 15 days.
Eligibility
No restrictions.
Fee
None.
Agency info
U.S. Federal Trade Commission's Northwest Regional Office
Promotes a dual mission to protect consumers and promote competition. Provides protections to consumers by stopping unfair, deceptive or fraudulent practices in the marketplace. Conducts investigations, sue companies and people that violate the law, develop rules to ensure a vibrant marketplace, and educate consumers and businesses about their rights and responsibilities. Collects reports on hundreds of issues from data security and deceptive advertising to identity theft and Do Not Call violations, and make them available to law enforcement agencies worldwide for follow-up. By enforcing antitrust laws, the FTC helps ensure that markets are open and free. The FTC will challenge anti-competitive mergers and business practices that could harm consumers by resulting in higher prices, lower quality, fewer choices, or reduced rates of innovation.