Equifax PO Box 740241 Atlanta, GA 03074-0241 (800) 685-1111

Experian PO Box 2104 Allen, TX 75013-2104 (888) EXPERIAN (888-397-3742)

Trans Union PO Box 1000 Chester, PA 19022 (800) 916-8800

I would advise you to visit below link to find out exactly how to obtain your credit report:

http://www.pueblo.gsa.gov/cic_text/money/fair-credit/fair-crd.htm

Having knowledge of your rights under Fair Credit Reporting Act (FCRA)can save you a lot of time and trouble when you apply for credit. The following explains these rights.

(Copied from Federal Trade Commission web site) ---------------------------------------------------------------- Your Credit Report Your credit payment history is recorded in a file or report. These files or reports are maintained and sold by "consumer reporting agencies" (CRAs). One type of CRA is commonly known as a credit bureau. You have a credit record on file at a credit bureau if you have ever applied for a credit or charge account, a personal loan, insurance, or a job. Your credit record contains information about your income, debts, and credit payment history. It also indicates whether you have been sued, arrested, or have filed for bankruptcy.

The Fair Credit Reporting Act (FCRA) is designed to help ensure that CRAs furnish correct and complete information to businesses to use when evaluating your application.

Your rights under Fair Credit Reporting Act:

~~You have right to receive a copy of your credit report. The copy of your report must contain all of information in your file at time of your request. ~~You have right to know name of anyone who received your credit report in last ~~year for most purposes or in last two years for employment purposes. ~~Any company that denies your application must supply name and address of CRA they contacted, provided denial was based on information given by CRA. ~~You have right to a free copy of your credit report when your application is denied because of information supplied by CRA. Your request must be made within 60 days of receiving your denial notice. ~~If you contest completeness or accuracy of information in your report, you should file a dispute with CRA and with company that furnished information to CRA. Both CRA and furnisher of information are legally obligated to reinvestigate your dispute. ~~You have a right to add a summary explanation to your credit report if your dispute is not resolved to your satisfaction. ----------------------------------------------------------------

If you believe that your rights have been violated under one of these laws you can file a complaint with Federal Trade Commission online at: https://rn.ftc.gov/pls/dod/wsolcq$.startup?Z_ORG_CODE=PU01

While these laws won't eliminate your obligation to pay your just debts they can prevent debt collectors and others from taking advantage of you.

Most advisors don’t have lengthy agreements and you usually can cancel by giving 2 weeks notice. The advisor never has access to your money because he is affiliated with a custodian who handles money, monthly statements and fulfills proper legal reporting requirements.

With this arrangement an advisor can actually save you money. How?

1. The advisor will use only no load funds. Because of his affiliation with a custodian (often a major brokerage firm), he’ll have access to some 10,000 mutual funds, not just to one or two fund families as most commissioned brokers do. This allows him to pick best available, which potentially means a higher return for his clients.

2. At times there are superior load funds available, especially in international arena. I have used a couple of those in my own practice because they were available to me as “load waived funds” and my clients got advantage without paying a sales commission.

3. Custodians many times also offer “Advisor only” funds. These are usually high performing mutual funds where fund family wishes, for whatever reason, to deal only with investment professionals, so they set high minimum dollar requirements.

Such was case in my practice during our most recent buy signal (4/29/03). I purchased NAMCX fund, which was only available to advisors through my custodian. This fund rewarded us with a cool 47% over following five months. Most independent investors would not have had access to such a fund on their own.

Keep in mind that markets fluctuate and starting with an advisor in middle of a downturn will not likely yield high profits at first. However, over time, an advisor will most likely produce results better than what you would reasonably expect yourself to do, even with advisor's modest fee.

Choosing right advisor and watching how your portfolio performs with their advice will almost always prove that it doesn't cost you to have an investment advisor, it pays.