Credit Reports Have Errors: Check Yours in an Accessible Format
On February 12, 2013 a New York Times editorial noted that one in five consumers have confirmed errors in their credit reports. Read the full New York Timed editorial. The news came from a detailed report issued in December, 2012 by the United States Federal Trade Commission and is a timely reminder about the need for everyone to check their credit reports. As a result of Structured Negotiations, free credit reports are available in Braille, Large Print, Audio CD and online in accessible formats. An accessible credit report is only a click or a phone call away. Here is the information you need to order one today.
Braille, Large Print and Audio Credit Reports by Telephone
People who are blind or visually impaired within the meaning of the Americans with Disabilities Act may order Braille, Large Print or Audio credit reports from any of the three credit reporting agencies by calling, toll free:
This is an automated system. After entering identifying information, including social security number, callers will be given the option of receiving reports in Braille, Large Print or Audio. (The reports will also be sent in print. The alternative format should arrive within two or three days of the print copy.) The request to select your format comes toward the end of the recording.
Please note that while credit reports (also known as credit disclosures) are free through the toll free number above, credit scores are not. Information on how to order a credit scores will be provided to consumers ordering the initial reports. Scores should also be provided in Braille, Large Print, and audio formats to those who order the initial disclosure in these formats.
Accessible Credit Reports On Line
Credit reports delivered on line have been designed to be accessible in accordance with the Web Content Accessibility Guidelines. They are available only through Annualcreditreport.com – the one official website operated by Trans Union, Equifax and Experian. [Not all sites that claim to provide free reports actually have free reports, and certainly not all those sites are accessible.] Visit AnnualCreditReport.com, the official free credit report site, now.
Additional Accessible Credit Report Resources
In the Accessible Credit Report Category of this web site you can find links to the initial Accessible Credit Report settlement agreement, and to the 2008 press release announcing the availability of accessible reports.
For the past five years the three credit reporting agencies have been very committed to providing credit report information in accessible formats for persons with visual impairments. The companies have also been quick to resolve any issues that may arise. If you order your credit report in an accessible format, please use the Contact Page of this website to share your experience.