How Can I Get My Credit Report ?
Credit Repair Company and payment information on your credit report includes the information relating to the payment history, amount owed, age of the credit, and credit newly attained. This information is utilized in determining your credit scores, and it is thus advisable to check your credit report frequently to enable you to have a good credit score.
You can obtain a free credit report every year from all three credit reporting agencies – Equifax, Experian, and TransUnion on the website www. annualcreditreportcom. This centralized service which was developed due to the Fair and Accurate Credit Transaction Act (FACTA) assists you in obtaining your reports from all three companies within one location.
This page of the site will indicate when to get your free reports.
It is a good practice to review your credit reports from the three major credit reporting agencies at least once a year to identify errors or fraudulent activity.
You may also want to space your requests over the year so that you also get a chance to review your reports at different times of the year. For instance, you may want to follow your Equifax report in January, your TransUnion report in April, and your Experian report in August. Spreading your requests over the year means you get to closely monitor credit throughout the year.
Ways of obtaining your Free Credit Report
AnnualCreditReportcom This is the federally mandated, non-profit personal credit file tracking service that enables one to obtain at least one free report each year from Equifax, Experian, and TransUnion. Sometimes you can request all your free reports at once or distribute them throughout the year, making it twelve months.
If you want to get your reports, please visit this site annualcreditreportcom They will require you to fill in some details about yourself such as your full name, street address, full social security number, and date of birth to access your credit file. The security questions and credit card option may also be required from some of the credit bureaus respectively but you will not be charged.
Online or Mail-In Forms They also provide the means for requesting one free annual report by visiting the three credit bureaus’ websites, or by completing an online form or a paper request form.
For example at experiancomconsumers, if you want to get your Experian report, there are the words “Download your credit report” and if you enter the required information, you will be able to get a report. The credit bureaus also provide mail-in request forms that you could fill out and send to the bureau and request a credit report through mail.
Toll-Free Numbers Every credit bureau gives you a free phone number that you can call to get your copy of the report. There also can be questions related to the identification of the information in the credit file before the report is read over the phone.
Where to Be Careful Even though Annualcreditreportcom is the only legitimate authorized website to provide your free credit reports, other sites offering free credit reports may lie in wait and ask you to sign up for other credit monitoring services which are paid after offering your first report. Be especially wary of websites requiring you to fill in your details; always make sure to read the terms and conditions of any site that you visit.
Also, beware of any other credit reporting companies that may offer you a ‘free’ credit report not granted under the FACTA regulation. It also has the potential to trick users into installing a free version of a paid product or service. However, the following are the only three major agencies that utilize annualcreditreportcom and can legally offer accurate and free credit reports to each consumer once per year.
Checking Reports Regularly you must review your credit reports from all three major credit bureaus regularly to keep track of your credit standing. Screw-ups can occur or there might be identity theft wherein phony accounts are created in your name and often have no sign. Regular credit checks can assist you find out this early before taking the necessary measures to rectify it.
Need to monitor your credit throughout the year? The best way to do it without shelling out any dough is to use the free annualcreditreportcom service and space your report requests. While it is true that monitoring your credit reports is something that does need time and effort to be invested, it is something that needs to be done to safeguard one’s credit status and personal identity. It is advisable to check your reports with all three credit reporting bureaus every year.
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