MetLife, Your Life®

Simple Tips for Life’s Unpredictable Moments

Have You Reviewed Your Credit Report?

Read through your report to look for signs of identity theft.

Your credit report contains personal information, including where you live, how you pay your bills, and if you’ve ever been sued, arrested or have filed for bankruptcy. Review your report to look for suspicious activity that could signal fraud.

Where can I get a copy of my credit report?

There are three nationwide credit reporting companies: Equifax, Experian and TransUnion. Those companies sell the information in your report to creditors, insurers, employers and other businesses, which use it to evaluate such things as applications for credit, insurance and employment. Note: Employers may not access your credit information without your written consent.

An amendment to the federal Fair Credit Reporting Act (FCRA) requires each company to provide you with a free copy of your credit report once every 12 months. That means you can get three copies of the report each year. It is no longer necessary to contact the three companies directly; the Annual Credit Report Request Service can provide any or all of them.

What should I do when I receive my credit report?

Carefully check your credit report at regular intervals—or if something makes you suspicious. That’s one of the best ways to avoid identity theft. Look for these things when reviewing your credit report:

Identity Protection Services are provided at no extra cost to MetLife Auto & Home® customers with Auto Insurance, Homeowners or Renter’s Insurance policies.

Identity protection services are not available to auto customers in North Carolina or New Hampshire, nor with all policy forms. Identity protection services are available in North Carolina homeowner policies with the optional “Identity Theft Expense and Resolution Plus” endorsement for an additional premium.

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