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Free credit reports may reveal surprises

Experts urge annual checkups to spot errors, ID theft early
By Bob Sullivan
Technology correspondent
MSNBC

Sylvia Gallow-Vazquez was shocked earlier this year when she applied for a Discover credit card and was denied because of poor credit history. Her credit had been impeccable. She had never been denied a loan before. And she had never even been late on her bills, as far as she could remember.

The Tempe, Ariz. resident was hoping to use the card, which promised zero percent interest for 6 months, to pay for night school. But the denial put a hitch in her plans, and launched her into the maddening world of identity theft and credit reporting.

That kind of surprise credit denial is precisely the motivation for Congressionally-mandated free credit reports, which become available to some consumers beginning Wednesday at AnnualCreditReport.com. Federal law signed by President Bush last December required the nation's three credit bureaus to give consumers free access once a year to their credit report, an essential history of personal loans and other economic activity that's used by banks and other institutions to make lending decisions. Consumers are entitled to a free report once a year from each of three main agencies: Equifax, Experian and Trans Union.

Gallow-Vazquez's rejection notice from Discover was vague, indicating there were problems on her credit report. When she called Discover, she was told to contact credit reporting agencies and get a copy of her credit report.

When she did, she found herself stuck in the middle of an all-too-typical American consumer nightmare. The report was pock-marked with unpaid utility bills and loans, all taken out in Gallow-Vazquez's name by an imposter. There were even repeated attempts to buys cars and houses in her name. For almost two years, someone had been signing up for telephone, Internet, and electricity services, using her personal information. And now, she was left to clean up the mess. Without checking her credit report, she would never have known there was a problem.

"You still feel so vulnerable and so unprotected," Gallow-Vazquez, a Mexican immigrant who moved to Tempe 15 years ago, said. "It was a terrible feeling."

Important new consumer right
According to the Federal Trade Commission, 27 million Americans have been victims of identity theft in the past 5 years. Advocacy groups say it takes an average of one year before a victim discovers the problem. And almost always, the problem is revealed when consumers order a copy of the credit report -- usually after a surprising credit denial. The swelling crisis led to a slate of new consumer rights passed into law last December, included in the Fair and Accurate Credit Transaction Act. The launch of AnnualCreditReport.com is the most obvious new consumer right included in the law. It entitles every American consumer -- about 200 million people -- to a free copy of their credit report each year.

Any consumers who believe they are a victim of identity theft, or have been turned down after applying for credit, is already entitled to a free copy of the report.

"We always encourageed consumers to regularly look at their credit report," said Coleen Martin, a spokeswoman for Trans Union. She said it might be wise for some consumers to wait until later this year, when they are about to make a big purchase, before taking advantage of their single free copy. "I would encourage consumers to use it when it most the makes sense for them."

Consumer advocates are watching closely. Several studies have shown that credit bureau data is riddled with errors. A study published in October by the National Association of State Public Interest Research Groups indicated four in five credit reports contain errors. Mistakes can be as simple as a mistyped address, or as complicated as a list of defaulted loans, taken out by an identity thief in the victim's name and never repaid. Privacy advocate Rob Douglas urged consumers to quickly take advantage of the Web site, and be prepared for some unhappy surprises.

"I think there will be a more than a substantial number of people who will discover there are errors on their credit report," he said.

Not all consumers can get their credit reports beginning in December. Earlier this year, the FTC issued guidelines that allows the bureaus to roll out the new feature in stages, to avoid overwhelming the new system. Only residents in the Western part of the United States will be able to access the reports on Dec. 1.