Countrywide Home Loans has revealed that there was a security breach and that people who have their mortgages with their company may have had their social security numbers compromised.
When you get a home loan, you give plenty of information. Enough needed to become a serious victim of identity theft.
Identity theft experts recommend that you check your credit at least once per year, and the federal government has given you the right to do it at no charge.
I've done it. Turns out, it's very easy and fast. I recommend that you do it, too.
There is no catch to get a full copy of your credit report. If you want your FICO scores, however, you may have to pay about $7.95 for each repository. There are three credit repositories (the credit companies), Equifax, Experian and Transunion.
Visit www.annualcreditreport.com and follow the instructions. It took me about 5 minutes to find and print a report from each repository.
If you would rather do it by mail, you can write:
Annual Credit Report Request Service
PO Box 105283
Atlanta, GA 30348-5283
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Joey Aszterbaum is the Hemet Home Loan Guy and a member of the Active Rain social network of real estate professionals. Patrion Mortgage is a direct lender and a division of Altura Credit Union (formerly Riverside County's Credit Union). To buy or refinance real estate in Hemet, Riverside County, California visit www.HemetHomeLoans.com or call 951.571.5751
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Joey, I'm glad that I didn't open this post and hear a jingle about serving fish to tourists in t-shirts! Good information for people to check their credit reports -- a very important step in the homebuying process.