Thursday, February 10, 2011

YOUR RIGHT TO FREE ANNUAL CREDIT REPORTS FROM OTHER, "SPECIALTY" CREDIT REPORTING COMPANIES

You also have a right to order free annual credit reports from other "nationwide specialty consumer reporting agencies." These are companies that maintain specific types of files on consumers, such as employment history, tenant history, medical records, and insurance claims. There are many specialty CRCs, and each must maintain a toll-free telephone number through which consumers may request a free copy of their credit report once every 12 months.

Neither the FTC nor the trade association of credit bureaus (CDIA) has chosen to publicize contact information for the specialty CRCs, and the Attorney General's Office does not currently have access to a list of these toll-free numbers. However, the following web page maintains a partial list of specialty CRCs and their contact information: