Annual Credit Reports


 photo AnnualCredtiReports.jpgI thought you’d find the following information about of particular interest. It is the official website established through the Fair Credit Reporting Act mandating that the three credit reporting repositories allow consumers free access to their credit reports once every 12 months. I accentuate the word “free” here because there are several websites with similar names, such as “,” which actually come with a price.

I highly recommend that you take advantage of your no-cost report every year. Remember these tips:

  1. Get a report from all three repositories. They are: Experian, Equifax, and Transunion.
  2. As soon as you’ve accessed each of the reports, print or save a copy. If you close the window with the report open, you’ll have to wait one year to return to that bureau’s report.
  3. Review your reports carefully and follow up on any errors. You’ll find instructions on the reports.
  4. You may purchase your “credit score” as an option. If you opt for this, keep in mind these scores can differ from those typically used by creditors. No need to get a score, as you just want to ensure what is being reported is accurate.

Feel free to pass this message on to your family, friends and colleagues, as ensuring that the information on your credit report is accurate is important.


Karen Jones Banner with Disclosure

AmeriFirst Financial, Inc., 1550 E. McKellips Road, Suite 117, Mesa, AZ 85203 (NMLS # 145368). 1­877­276­1974. Copyright 2017. All Rights Reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates, and programs are subject to change without prior notice. All products are subject to credit and property approval. Not all products are available in all states or for all loan amounts. Other restrictions and limitations apply. AZ: Arizona Mortgage Banker License No. BK0013635; CA: Licensed by The Department of Business Oversight under the California Residential Mortgage Lending Act; CO: Regulated by the Division of Real Estate; WA: Washington Consumer Loan Company License No. CL­145368. AmeriFirst Financial, Inc. is an independent mortgage lender and is not affiliated with the Department of Housing and Urban Development (HUD) or the Federal Housing Administration (FHA). Karen Jones is a licensed loan originator at AmeriFirst Financial.,Inc. Karen Jones complies with all regulations and rules of all government agencies and regulators including the Real Estate Settlement and Procedures Act. The services provided by Karen Jones are not a condition, nor do they create any obligation for any form of remuneration for any real estate settlement service related to any referral.

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