CREDIT REPORTS

EquiFax Credit Information Services
P.O. Box 740241
Atlanta, GA 30374
Phone: (800) 685-1111
Website: www.equiFax.com


Experian
P.O. Box 949
Allen, TX 75013v Phone: (888) 397-3742
Website: www.experian.com


Trans Union Corp.
P.O. Box 390
Springfield, PA 19064-0390
Phone: (800) 916-8800
Website: www.tuc.com

Free Credit Reports

Annual Credit Report Request Service P.O. Box 105281 Atlanta, GA 30348-5281

New Colorado Security Freeze Option – EFFECTIVE JULY 1, 2006

The consumer reporting agency must place a security freeze on a consumer’s credit report within 5 business days after receiving the request from the consumer. If a consumer wants to remove the security freeze on his or her credit report, the consumer must request that the freeze be temporarily lifted and provide the following:

• Proper identification;

• The unique personal identification number and password provided by the consumer reporting agency; and

• The proper information regarding the third party who is to receive the credit report or the time period that the report shall be available.

  The consumer reporting agency shall remove a security freeze within three business days of receiving a request for removal from the consumer. A credit reporting agency cannot charge for the initial placement of a security freeze. However, it may charge up to $10 for the temporary or permanent removal of a security freeze and for the reinstitution of a security freeze after it has been permanently removed.

  NOTE: A security freeze placed on a consumer’s credit report will NOT block access to that report, or to the information contained in that report from any of the following:

• Any person that owns a financial obligation owing by the consumer for the purposes of reviewing the account or collecting that financial obligation;

• An assignee or prospective assignee of a financial obligation owing by the consumer;

• A subsidiary, affiliate, agent, assignee or a prospective assignee of a person to whom access to a consumer’s credit report has been granted for the purpose of facilitating the extension of credit or other permissible use;

• A state or local agency, law enforcement, trial court, private collection agency, or person acting pursuant to a court order, warrant, or subpoena authorizing the use of the credit report;

• A child support enforcement agency enforcing a child support obligation;

• The Colorado Department of Health Care Policy and Financing acting to investigate fraud;

• The Colorado Department of Human Service acting to investigate fraud;

• The Colorado Department of Revenue acting to investigate or collect delinquent taxes or unpaid court orders;

• The use of credit information for the purpose of prescreening as provided by the “Fair Credit Reporting Act,” 15 U.S.C. 1681;

• Any person or entity administering a credit file monitoring subscription service to which the consumer has subscribed;

• Any person or entity for the purpose of providing a consumer with a copy of his or her credit report upon the consumer’s request;

• Any person or entity for use in setting or adjusting a rate, adjusting a claim, or underwriting for insurance purposes;

• A pension plan acting to determine the consumer’s eligibility for plan benefits or payments authorized by law to investigate fraud;

• A person conducting a pre-sentence investigation in a criminal matter or a probation officer using this information for supervision of an offender;

• A collection investigator engaged in the collecting of fees, fines, or restitution in a court proceeding;

• A licensed hospital with which the consumer has or had a contract, or a debtor-creditor relationship for the purpose of reviewing the account or collecting the financial obligation owing on the account; or

• A law enforcement agency acting to investigate a crime or conducting a criminal background check.

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The Nichols Team, LLC
Real Estate Agents Denver Colorado

Steve & Annette
Owners/Brokers
303-316-0166 Office
303-322-3507 Fax