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Take This Extremely Simple Action to Avoid Having Your Identity Stolen
There is, however, a stipulation: Freeze and unfreeze requests are not always free. They can cost up to $ 10 or $ 12 depending on your state of residence or age. It depends. (Determine your qualifications by dipping into the report.) Now let's address …
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More than one credit score is out there for everyone
Ulzheimer said consumers now can receive free credit score gov (freescorereportgov.com) from online sites that include Quizzle.com and Mybankrate.com, both of which are based on Equifax reports. Credit.com provides free credit scores based on TransUnion reports. Many credit card …
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Credit Zuma for correcting bloodbath: ANC
… Africa could only proceed with plans to build nuclear power plants if it were affordable. African News Agency. * Use IOL's Facebook and Twitter pages to comment on our stories. See links below. Get our free IOL newsletters – subscribe here… IOL …
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Stock Market News for December 14, 2015
Benchmarks ended in the red on Friday dragged down by decline in energy shares due to further slump in oil prices . U.S. crude oil price settled below $ 36 a barrel on Friday and suffered its biggest weekly loss of the year after a report from the IEA …
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Free Credit Reports Are Not Always Free

Christopher Luck asked:

According to an amendment to the Fair Credit Reporting Act, you can obtain a free credit report on yourself for free one time every year. However, just like with any new law or service, there are people out there looking to take advantage of you. So be aware of what you see when looking for your credit report; not every service claiming to offer you a free credit report is actually offering one.

To get your free credit report, you really only need to go to the annual credit report website. If you go to the Federal Trade Commission’s website, you will find all the information you really need to get your free credit report. You only need your name, social security number, date of birth, and address to get the free report. As easy as it is, there are still many companies out there who want to get the business of people like you who are seeking their free credit report.

One way these companies take advantage of people is by establishing a web address that is very similar to the legitimate government websites for obtaining a free credit report. They will harvest your social security number, address, and other personal information under the claim that you will get a free credit report. Remember, you can get one by going through the Federal Trade Commission. Be aware that you should never have to supply a credit card number or telephone number to obtain your free credit report. Your address, name, social security number, and date of birth are all you need.

You should never respond to an email to get your free credit report. Remember that that getting the report is a right you have. Some companies, in an effort to get your personal information, will send spam emails advertising access to your free credit report. These companies are usually just Phishing for your personal information. Never respond to emails to get your credit report. Instead, the information is easy to obtain through the proper government channels that are readily available to you.

Congress has given you the right to obtain a free credit report on yourself once every year. The government has given you access to the free report through the Federal Trade Commission website so that you do not have to worry. You will get emails, see on line advertising, and even get pop up ads that advertise free credit reports. Keep in mind, though, that many of these companies are not interested in getting you your report as much as they are getting a hold of your information. There is no reason to use these companies, legitimate or not, to obtain your free credit report when you can do it through the Federal Trade Commission. Your information is vital to your financial well being and in the wrong hands could do a lot of damage to your credit. In order to avoid these pitfalls, the best thing to do to get your free credit report is to go through the government.

Anthony

Free Credit Reports Yearly

Dave Faulkner asked:

Did you inquire about your free credit reports lately? If not, the time is right to go to Annual Credit Report and answer a few personal questions that only you can answer and receive your report within hours. The free instance credit reports show your entire credit history dating as far back to when you had your first loan or credit card.

Because your credit report is ever changing, you can request a copy annually for inspection of the confidential records. You will find out who as been paid off, reported slow payment and how much credit you currently have used and any new applications filed. This helps the consumer keep track of credit history while having peace of mind that you are the only one using your identity.

The annual free credit report lists all your current and closed accounts. The report tells whether you paid on time or at a slower rate than expected by the creditors. Because the free instant credit reports are provided as a service, there are no fees associated with receiving your annual free credit report. Of you require your credit score; you may have to pay a small fee for this information.

Understanding your free credit reports requires a little reading, everything comes with an explanation and the layout makes reading and understanding the credit report easy. Once you look at your credit history, you will see your name, any variations of your name you may have used, whether you are married or divorced along with past and present employers and residences.

The free instant credit reports allows you to make any corrections if you find incorrect information that may be affecting your denial of further credit, cheaper interest rates and even a job. If you find inconsistencies in your credit report, right a letter to the credit agency that reports the wrong information and supply documentation to get the details corrected.

Because you receive three separate credit reports, one from Equifax, Experian and TransUnion you need to look at each report to find mistakes or inconsistent reporting. Each agency might report something that the other one does not. Therefore, looking at all three reports for correct information requires asking for all three reports from Annual Credit Reports.

Your free credit reports might not seem important to you right now, but if you ever try to land that great paying job, get the good insurance rate that your neighbor has or even get a credit card or loan, you need to know what your credit report says about you. You may find yourself being rejected because of incorrect information or even accurate information that you never new existed. Get your credit report today.

Clarence

How to Obtain Legit Free Credit Reports

Terro White asked:

By law, you’re permitted to check the yearly credit report one time a year – free of charge. Read and learn to discover the genuine site to proceed to and how to obtain absolute free annual credit report. If you move to the FTC government site, you could discover that the 3 reporting authorities such as Experian, Equifax and Transunion are needed to chip in all purchaser single free credit report every year.

It sounds simple; however obtaining the free yearly report could be unclear. Federal Trade Commission states that the sites which provide the free report, absolute free monitoring of credit, or costless report servicing aren’t linked up with the government activities costless report.

The Act of legible Credit reportage is the act that needs all of the 3 reporting authorities to offer you with the absolute free yearly report. Do not be scammed into buying “costless” credit checks, costless monitoring of credit, the absolute free yearly report, costless report servicing, the costless annual credit reports from any of these kinds of parties. They’ll sign up you for the monitoring of credit servicing or something other that you’ve to pay up the fee for or the every month fee for. With the charge account and home equity credit statements under consideration, move to the site of among the 3 leading credit authorities or the yearly free such reports web site.

Apply for these reports by enrolling the social protection number, personal info and the replies to some security enquiries, which generally involve the old name and addresses or every month payment sums on mortgages or charge cards. Be sure all info is right, and submit online request form. You’ll immediately recognize if these reports is there free of charge or if it’s been little than the yr and you want to pay up to view them.

Check up on the credit reports for mistakes and to have the idea of how the credit looks for loaners and other people who might pull them. You could shop the free credit score whenever you wish to know precisely how you rate. The 3 credit reportage authorities have established one site for purchasers to proceed to appropriate to obtain the genuine yearly free report.

Numerous folks who experience the flow of high-risk credit promise off charge cards. However, without it you may have trouble obtaining fresh lends or different kinds of credit. Not alone that, utilizing the charge card the best way will assist reconstruct the credit as you follow through the credit repair method.

Paula

Free Credit Report Service Recommended by Clark Howard

Lyn Collier asked:

You don’t have to sign up for a trial membership of a credit protection service to get free copies of your credit reports. There a few one-stop websites where you can order credit reports from all three credit bureaus: Experian, Equifax, and Trans Union. It’s easy. One site, Annual Credit Report, is even recommended by Consumer advocate Clark Howard as well as the Consumer Credit Counseling Service.

By the way, your “credit report” is not the same thing as your “credit score.” The reports will give your credit activity only – not your FICO score. The FICO score is a number that is generated using info from all three agencies. It is a product of Fair Isaac Credit Org. (FICO) and must be purchased – $15.95

When you get to the site and start clicking around to request your free report, a few things might concern you. The main thing…and it is kind of unavoidable is the request for you to enter your Social Security number. If you have strong reservations about entering your SS number online, you can just skip the rest of the article and look up the 800 number and do the transaction on the phone. But either way, you will to have to provide your social security number.

Back to the online request. At some point during your online request for a free credit report , each bureau will try to sell you their products. Stay focused.

Here is the protocol for Experian for example: (and they are all pretty much alike so I will spare you the details on the other 2)

Step 1 on the Experian site will offer to sell you your Experian credit score for $5.95. Each bureau assigns a score, but their scores do not represent your FICO score.The FICO score is the one that most creditors use. I don’t recommend buying a credit score from anyone other than FICO. it’s the only one that counts. When asked if you want to purchase your “Experian” score, scroll to the bottom of the page and click on “No thanks, I just want my free annual credit report.”

You will cruise through the steps pretty quickly. The only time you might have a problem is if you don’t answer the identification verification questions correctly. If you answer incorrectly you will be given a toll-free number to call where your i.d. can be verified manually.

Once you are done on the Experian site, you will be prompted to return to the Annual Credit Report site and continue with the other credit bureaus.

All the sites will walk you through the same process offering to sell you their products along the way. Remember, your goal is to get free credit reports, not buy stuff. Follow the prompts and you will instantly get your three credit reports free of charge.

Pedro

How to Get Free Credit Reports in the US, UK or Australia

Tristan Dunston asked:

Consumers in the US, UK and Australia can all get their hands on a free copy of their credit report to do a credit check on themselves. The systems in each country are different, and this article explains how consumers can go about getting a free credit report if they live in one of these countries.

In the United States:

Consumers have had the legal right to a free copy of their credit report, annually, for a number of years now. The Fair Credit Reporting Act granted consumers a free credit report from each of the three US credit reporting agencies, Experian, Equifax and Transunion.

There is only one authorized website in the US from which American consumers can obtain their free report under their legal entitlement, and that is annualcreditreport. There is also a free toll number, 1-877-322-8228 where US citizen’s can order their annual credit report. A report can also be ordered by filling out the Request Form and posting it to Annual Credit Report Request Service, PO Box 105281, Atlanta, GA 30348-5281. Online, the service is instant, but security questions will be asked to verify identity. By telephone and post, it takes about 15 days for a credit report to arrive, but it may take longer if the agency needs to verify an identity.

The Federal Trade Commission, which protects US consumers, has warned people to be on the look out for what it calls ‘impostor’ sites. At one point it was estimated there were more than one hundred such websites in existence, some of which included domains that used misspellings of the authorized free credit report website.

There are other online services offering free credit reports, using subscription free trial period schemes. With these credit report services consumers need to be aware that if they fail to cancel the subscription within the free trial period they are likely to have their plastic charged. The trial period schemes usually require consumers to cancel the subscription within the trial period, usually 30 days, or the company may start to charge a fee.

Also, in the United States, consumers can get a free credit report if they have been turned down for credit, insurance or employment and they apply within 60 days of receiving notice from the company involved. The unemployed who are looking for work, those on welfare and people whose reports are inaccurate, because of fraud, can all get a free credit check.

In the UK:

There is not a legal right for consumers to a free credit report from the credit reference agencies in the UK, unlike the US. But you can go directly to the websites of the three credit reference agencies, Callcredit, Equifax and Experian to get one without having to pay a fee. All offer a free trial subscription service that provides a free credit report as part of the free trial. To avoid incurring a charge, the consumer must remember to cancel the subscription with the credit reference agency within the free trial period, usually 30 days. Failure to do so may lead to the agency charging fees.

One website in the UK, annualcreditreport.co.uk, provides UK consumers with free yearly access to their credit report from one of the three credit reference agencies. This service doesn’t require people to provide their credit card details to get a free credit report.

While there is not a legal right for consumers to a free credit report in the UK, there is a right under Data Protection laws for consumers to get a credit report for

What website can i go to to find out my credit score for free?

asked:

i went to every website i could think of to get my credit score free but they all asked for money. so if there is any website that i can go to to get my free credit score without paying please help me. i went to annual credit report and it didnt help so please some other website that is free

Bessie

The Advantages To Obtaining A Free Credit Report And Score – Verify Your Credit Score For Free

Tim Gorman asked:

A credit report provides information in regards to your credit worthiness by giving the nitty gritty details of your credit transactions. These reports are sold by the credit bureaus to lenders like banks, insurance companies, credit card companies and many other financially related institutions who use your report to evaluate you and decide whether to transact with you. Under the Fair Credit Reporting Act, you are entitled to your very own free credit report from each of the three top credit bureaus Equifax, Experian ad TransUnion, every 12 months, on request. This is to ensure that you know what picture is projected about you to the various potential lenders and businesses in the market and to protect yourself from any form of identity theft that seems to be prevelant in today’s society.

In order to cater to the free annual credit report program, the three credit reporting companies have set up a website, a toll free telephone and a mailing address as avenues through which anyone can order their free credit information. The website is http://www.annualcreditreport.com , the toll free number is 1-877-322-8228 and mailing address is Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281, to which you need to send in the Annual credit report request form. Additionally, you have the option to order free report and score (the score is optional and comes at a small cost) from all three companies at the same time or each at a different time, depending on your purposes.

Consumers that choose to search the Internet and go online in order to obtain a copy of their free credit report and score need to be wary on one point – There are companies that have their web site names very close in spelling to the one mentioned above. So, if a consumer makes a typo error while typing the website address, they will be redirected to different unintended pages, which may collect some information and offer some services, at a cost.

When you order your information online, you will get it instantly. Whereas if you order using the toll free number or through the mail, it is likely to take a minimum of 15 days or more, depending on the volumes being processed by the credit bureaus. You are also eligible for a free credit report, when a company has refused to transact with you; if you do not have a job currently and plan to take up one in the next sixty days; if you are on welfare or if your report has any errors that you have reported with evidence.

If you wonder what you will do with a credit report, think again. Before applying for a loan or insurance or credit card or a job, it is a good idea to verify your financial information and ensure that all the details provided there are accurate and current. Else, the report might throw an unpleasant surprise at you. Verifying your credit report periodically is a way to avoid identity theft, where a person lifts your identity details and uses it for credit purposes like getting a loan or a credit card and defaults on it. By checking your credit report, you can catch such thefts and report them on time, before it gives you ‘bad credit’.

Now that you know the advantages of tracking your credit report and score, you could choose the best way to get it free and enjoy the benefits.

Catherine

All About Free Credit Reports

S. Michael Windsor asked:

All About Free Credit Reports

Obtaining a free credit report is not a daunting task. However, finding the right way that best suits you can save you a lot of time and money when looking into your credit score. There are several ways to get a free credit report. One of the ways is simply visiting one of the three credit reporting companies and simply following their directions at their website. In many cases the free credit report will be provided in exchange for a free trial on your part or something very similar. While this is not necessarily a problem as it has a 30 day money back guarantee period or similar, it can be a slight drawback since there is a bit more responsibility on your part. But, realize that during these 30 days you can really look into your credit report and utilize the additional services these companies can provide at no cost! Now that is a great deal. Better than just a free report with nothing else.

Other ways of obtaining just a free annual credit report can be through the Federal Trade Commission (FTC). If you go to the FTC website and follow the necessary links, you will end up at a form which you must fill out and submit to the FTC. The information the commission wants from you is your name, address, Social Security number, and date of birth mainly. After filling out the form, you can send it over to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281 and wait for a credit reporting company to respond as opposed to instantly through the credit reporting companies directly.

For individuals who have been denied credit or similar, they are provided a free credit report through the inquiry on the part of the lender, insurance company or even employer. After receiving this notice, the person inquired upon has the opportunity to receive a free credit report from the company who provided the organization with your credit report. In addition, if a person is currently unemployed and planning on getting a new job within 60 days or are on welfare, they are eligible for a free credit report as well.

Having a good FICO credit score and clean credit report is very necessary in order to obtain quality loans, jobs, insurance, even places to live and it is very important to look at your credit more than just once a year. Monitoring your credit regularly will allow you to find any negative marks and/or errors due to such things as identity theft immediately. It can be quite astonishing how fast unnecessary items can appear and quickly lower your credit score. Many people don’t even notice this until either they get an annual report, if they do, or apply for a loan and discover the problem. Take advantage of the no cost trials consumer credit reporting companies provide and see how easy monitoring your credit can actually be.

Anita

Free credit report online

Anna Josephs asked:

Free credit report online will help to know your yearly credit status. You can find numbers of online sites those who gives you free credit report, free credit scores and free credit monitoring but very few sites are legal sites and are authorized to issue such annual free credit report.

The Fair Credit Report Act requires each of the nationwide consumer reporting companies. There art three legal financial companies Equifax, Experian, Trans Union to provide you the free copy of your annual credit report at your request once every 12 months.

Free credit report online includes all the information related to you like where you live, how you pay your bills and whether you have been sued, arrested or field as an bankrupt.

This credit report helps you in doing big finance deals like purchasing furniture, property or vehicles at the same time it may be problematic to some of them if they don’t have a good credit report.

Free credit report online saves your time the only thing you have to do is they provide you with the annual credit report form you just have to fill it with all the correct information’s. take care that you don’t provide any false information regarding your credit card number or regarding your billing because if you fill the false information your will not be accepted and it will be rejected, so try to avoid all such things and save your time with free credit report online.

Anna Josephs is a freelance journalist having experience of many years writing articles and news releases on various topics such as pet health, automobile and social issues. She also has great interest in poetry and paintings, hence she likes to write on these subjects as well. Currently writing for this website Free Yearly Credit Report . For more details please contact at annajosephs@gmail.com

Daniel

Free Credit Report: How To Get It

Jay Delgado asked:

You have the right to obtain one free credit report a year from each of the major credit reporting agencies: Equifax, Experian and TransUnion. Reviewing your free credit reports each year can be extremely beneficial when it comes to protecting and improving your credit standing. If you have not taken advantage of this free resource, you should do so immediately.

There are three ways that you can order your free report:

* Online: When you order your credit report online, you will be able to view and print it instantly.

* Phone: 1-877-322-8228. If you order your report by phone, it will take 15 days to process your request.

* Mail: Annual Credit Report Request Service, P.O. Box 105281, Atlanta GA 30348-5281. You will need to fill out a request form to order your report by mail. It may take 3 to 4 weeks to receive your report through the mail.

Remember; you can only obtain your free annual credit report through Annual Credit Report; you can NOT contact the credit agencies directly for your free report. They will provide you with a report, but you will have to pay for it (average cost $10.50).

When you request your free credit report, you need to have the following information: address, social security number and date of birth. If you have lived at your current address for less than two years, you will need to provide your previous address. You will also need to be able to provide information about your personal financial affairs so that the bureaus can confirm your identity. Some of the most common questions asked by credit bureaus involve information that you are very familiar with such as the amount of your mortgage payment, car payment or credit card balance.

In addition to one free annual credit report, there are special circumstances where you may be eligible for a free report directly from one of the credit reporting bureaus:

* Adverse Action: If you are turned down for credit, employment or insurance benefits because of information contained on your credit report, you are entitled to a free report within 60 days of receiving notice of the action. The notice will include all the information you need to request your free report.

* Unemployment: If you are unemployed and plan to look for a job within the next 60 days, you can request a free credit report from one of the three main credit reporting agencies. You are only allowed one per year. This also applies for families receiving public assistance.

* Identity Theft: If your report is inaccurate because of fraud or identity theft, you can request one free copy per year.

Most financial advisers recommend that you review your credit report for errors every 90 days. If you are not requesting your free reports regularly, you could be putting your financial future in jeopardy. Nearly 25% of credit reports contain errors that can lead to a denial of credit. Yours may be one of them, but you will never know unless you check it out for yourself.

Neil

How Do you Obtain your Equifax Free Credit Report?

Helen March And Karen Ciancio asked:

Equifax, Experian, and TransUnion are the 3 major credit bureaus and are required by law (Fair Credit Reporting Act – FCRA) to provide you with a free annual credit report at your request.

Once every 12 months you can request a free copy of your credit report. Your credit report includes information on where you live, how you pay your bills, whether you’ve been sued, arrested, or whether you have filed for bankruptcy.

The 3 major credit bureaus sell the information in your report to your creditors, your insurers, employers, and other businesses. Those businesses use your report to assess and evaluate your applications for credit, insurance, employment, or even renting a home…

You are also entitled to one Experian, TransUnion or Equifax Free Credit Report during any 12-month period no matter where you live, if:

You are unemployed and intend to apply for a job in the next 60 days.

You are on public welfare assistance.

You believe your credit report contains inaccurate information due to fraud.

You have received notice of an adverse decision within the past 60 days:

You were denied credit

You were denied insurance coverage

You were denied employment

Otherwise, each of these 3 major credit bureaus may charge you up to $9.50 for another copy of your report within a 12-month period.

You can request a copy of your Equifax free credit report here:

Equifax Information Services LLC

P.O. Box 740241 Atlanta, GA 30374

or call 800-685-1111

Another alternative is to print out the Annual Credit Report Request Form at the FTC (Federal Trade Commission) site and when filling out the form, be sure to mark only the Equifax free credit report. (Save the free report requests from TransUnion Credit Bureau and Experian Credit Bureau for another time.)

The FTC (Federal Trade Commission) recommends that you obtain an application for the free annual credit reports through:

annualcreditreport.com or

Call: 1-877-322-8228 or

Mail the request to:

Annual Credit Report Request Service,

P.O. Box 105281,

Atlanta, GA 30348-5281.

For more information on your rights and application to access to your Equifax free credit report, visit the FTC site at ftc.gov.

Your Equifax free credit report is a snapshot of your borrowing and bill paying behavior over the last 24 months. The report will provide you with a credit score. With careful planning and as time goes by you have the power to change it for the better.

Maurice

How to Get Free Credit Reports in the Us, UK or Australia

Tristan Dunston asked:

Consumers in the US, UK and Australia can all get their hands on a free copy of their credit report to do a credit check on themselves. The systems in each country are different, and this article explains how consumers can go about getting a free credit report if they live in one of these countries.

In the United States:

Consumers have had the legal right to a free copy of their credit report, annually, for a number of years now. The Fair Credit Reporting Act granted consumers a free credit report from each of the three US credit reporting agencies, Experian, Equifax and Transunion.

There is only one authorised website in the US from which American consumers can obtain their free report under their legal entitlement, and that is annualcreditreport.com. There is also a free toll number, 1-877-322-8228 where US citizen’s can order their annual credit report. A report can also be ordered by filling out the Annual Credit Report Request Form and posting it to Annual Credit Report Request Service, PO Box 105281, Atlanta, GA 30348-5281. Online, the service is instant, but security questions will be asked to verify identity. By telephone and post, it takes about 15 days for a credit report to arrive, but it may take longer if the agency needs to verify an identity.

The Federal Trade Commission, which protects US consumers, has warned people to be on the look out for what it calls ‘imposter’ sites. At one point it was estimated there were more than one hundred such websites in existence, some of which included domains that used misspellings of the authorised free credit report website.

There are other online services offering free credit reports, using subscription free trial period schemes. With these credit report services consumers need to be aware that if they fail to cancel the subscription within the free trial period they are likely to have their plastic charged. The trial period schemes usually require consumers to cancel the subscription within the trial period, usually 30 days, or the company may start to charge a fee.

Also, in the United States, consumers can get a free credit report if they have been turned down for credit, insurance or employment and they apply within 60 days of receiving notice from the company involved. The unemployed who are looking for work, those on welfare and people whose reports are inaccurate, because of fraud, can all get a free credit check.

In the UK:

There is not a legal right for consumers to a free credit report from the credit reference agencies in the UK, unlike the US. But you can go directly to the websites of the three credit reference agencies, Callcredit, Equifax and Experian to get one without having to pay a fee. All offer a free trial subscription service that provides a free credit report as part of the free trial. To avoid incurring a charge, the consumer must remember to cancel the subscription with the credit reference agency within the free trial period, usually 30 days. Failure to do so may lead to the agency charging fees.

One website in the UK, annualcreditreport.co.uk, provides UK consumers with free yearly access to their credit report from one of the three credit reference agencies. This service doesn’t require people to provide their credit card details to get a free credit report.

While there is not a legal right for consumers to a free credit report in the UK, there is a right under Data Protection laws for consumers to get a credit report for £2. This is known as a statutory credit report. A statutory credit report can be obtained by writing to the credit reference agencies and sending a cheque or postal order for £2, with details such as name, full current and previous address, and date of birth to: Callcredit Ltd Consumer Services Team, PO Box 491, Leeds LS3 1WZ; Experian Ltd Consumer Help Service, PO Box 8000, Nottingham NG80 7WF and Equifax Credit Report Advice Centre PO Box 1140 Bradford BD1 5US. It usually takes around 7 days for a statutory credit report to arrive.

In Australia:

Australian consumers have a right to a free copy of their credit report under the Privacy Act. Veda Advantage and Dun and Bradstreet, Australia’s largest credit reporting agencies, will both provide a free credit report to consumers within 10 days of receiving a request. The Tasmanian Collection Service, which covers the citizens of Tasmania, provides consumers with a free credit report if they have been refused credit or an application is to do with the management of an individual’s credit commitments.

Australian consumers keen to keep an eye on their credit rating can get a free copy of their credit report by writing to: Veda Advantage Public Access, PO Box 964, North Sydney NSW 2059. Dun and Bradstreet at Public Access Centre, Dun and Bradstreet (Australia) PL, PO box 7405, St Kilda Road, VIC 3004. Tasmanian Collection Service can be contacted at GPO Box 814H, Hobart, TAS 7001.

Tamara