Update from Ralph Bristol Morning News - BBB Middle Tennessee can be heard Fridays at 7:35am on the Ralph Bristol Nashville Morning News, WTN 99.7 (FM Radio)
Two weeks ago the FTC released a report that revealed 42 million consumers have errors on their credit report. YIKES! That got our attention
The FTC gave excellent advice reminding us of the importance of pulling our credit report to ensure the information being reported is accurate, complete and up to date.
Consumers were advised to go to annualcreditreport.com - the only authorized source for free annual credit reports under federal law.
Almost immediately following the FTC report, Middle Tennessee consumers began to receive emails touting the report with a link to...YOU GUESSED IT... annualcreditreport.com.
Here's the SCAM
ANNUALCREDITREPORT.COM DOES NOT APPROACH CONSUMERS VIA EMAIL, TELEMARKETING OR DIRECT MAIL.
The scammers spoofed the link asking consumers to enter their birth dates and social security numbers......NOW WE’RE TALKING IDENTITY THEFT.
Daylight Savings Time is the perfect reminder to change your clock and check your credit report.
Here is how to get your "FREE" Annual Credit Report:
Consumers looking to pull their free credit reports should visit annualcreditreport.com, the only authorized source for free annual credit reports under federal law. The Fair Credit Reporting Act requires each of the consumer reporting companies,
To provide you with a free copy of your credit report at your request, once every 12 months.
A credit report contains important information that can affect whether you get a loan, how much you will have to pay in order to borrow money, get a job, rent an apartment and apply for insurance.
Pull your child’s credit report. As child identity theft remains a national problem, it can be just as imperative to pull your child’s report as it is to pull your own. While the credit reporting agencies do not knowingly maintain credit files on minor children, you can contact the credit reporting agencies directly to see what information, if any, they have about your child.
Dispute inaccuracies. If you find inaccurate information on your credit report immediately contact the reporting agency you pulled the report from and file a dispute. Inaccurate, derogatory information can lower your credit score, and in some cases, may indicate possible fraudulent activity.
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When in Doubt, remember to check with BBB for information on
businesses you can TRUST by visiting
The BBB of Middle Tennessee, Inc. was founded in 1961 as a non-profit Tennessee organization serving 38 counties in Middle Tennessee and 7 counties in Southern Kentucky. The first BBB was founded in 1912. Today, BBBs serve communities across the U.S. and Canada.
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