Home and Family
Free Credit Reports
The Fair Credit Reporting Act (FCRA) requires each of the nationwide credit reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. The FCRA promotes the accuracy and privacy of information in the files of the nation’s credit reporting companies. The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the FCRA with respect to credit reporting companies.
A credit report includes information on where you live, how you pay your bills, and whether you’ve been sued or have filed for bankruptcy. Nationwide credit reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home.
Here are the details about your rights under the FCRA, which established the free annual credit report program.
Q: How do I order my free report?
The three nationwide credit reporting companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report.
To order, visit annualcreditreport.com, call 1-877-322-8228. Or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. Do not contact the three nationwide credit reporting companies individually. They are providing free annual credit reports only through annualcreditreport.com, 1-877-322-8228 or mailing to Annual Credit Report Request Service.
You may order your reports from each of the three nationwide credit reporting companies at the same time, or you can order your report from each of the companies one at a time. The law allows you to order one free copy of your report from each of the nationwide credit reporting companies every 12 months.
- Managing in Tough Times
- Estate Planning
- Indoor Air Quality
- Celebrate Family Day
Family life is a broad subject area. Below are a few resources about a variety of topics.
Life frequently changes. Rutgers prepared the following information on life changes.
- So You Want to Make a Change
- Making A Change: Keys to Success
- Making A Change: Priorities, Goal Setting and Action
- Understanding Life Change
Stepping Stones for Step-families
Parenting can be a challenge in any family, but living in a step-family can complicate the issue even more. Step-families are ready-made from the beginning with little, if any, preparation time for learning about one another and how to live together. “Stepping Stones for Step-families’ was created by K-State Research & Extension Family Specialist Charlotte Shoup Olsen to help step-families adjust to the very normal transitions step-families must make for healthy family living.
The series includes: