FACT Act Information Notice Fair And Accurate Credit Transactions
The FACT Act requires each of the nationwide consumer reporting agencies (Experian, Equifax and Trans Union) to provide consumers with a free copy of their credit report as often as once every twelve months. A consumer can request their credit reports in one of three ways – online, by phone or by mail. If you would like to request a free copy of your credit report from these organizations, please contact the centralized processing center at (877) 322-8228, or visit their website at www.annualcreditreport.com
Absolute Background Search, Inc., LLC. does not maintain a database of all consumer credit reports. Your individual report WILL NOT be available through our system unless you have applied for a position of employment with one of our clients. Also note that depending on when the report was conducted, it may not accurately reflect your current credit status. Please note that all copies of these reports will be delivered by mail only.
For more information on the FACT Act, please visit:
http://www.fdic.gov/consumers/consumer/alerts/facta.html
http://www.ftc.gov/bcp/menus/consumer/credit/rights.shtm
Fact Act Disclosure – Frequently Asked Questions:
FTC Issues Final Summaries And Notices Under FACTA
How do I receive a free copy of my report?
In order to receive a free copy of your consumer report, you must call the listed 800 number. We can only provide you with a copy of your report if Absolute Background Search, Inc., LLC. has conducted a background check on you on behalf of one of our clients.
How long will it take me to receive my copy?
Requests are handled on a daily basis so you should receive a copy in the mail in just a few short days.
Can you fax or email me a copy of my consumer report?
Consumer reports will ONLY be mailed.
