How Can You Get A Credit Report?
A credit report just shows your credit history; it is not a credit score. It includes specifics on past payment behavior like whether one pays his bills on time, the amount of money owed to creditors, and whether he has ever been known to default on a loan or have a bankruptcy record. Applying for any loan, trying to find an apartment, or even for a new credit card calls for a strong credit record. Here is a detailed walk-through explanation of how to get your credit reports from the three main credit bureaus—Equifax, Experian, and TransUnion.
You can order your free annual credit reports at this site. The FCRA also named the Fair Credit Reporting Act mandates that each of the three credit reporting agencies must furnish each consumer with a free copy of a credit report once the consumer demands it within a year. However, you may order one from AnnualCreditReportcom which is an authorized website of the government to provide free annual credit reports. AnnualCreditReport.com is the only official site that is free, whilst many other sites offer ‘free’ credit reports but which enslave you and force you to take paid memberships or give reports from only one or two of the bureaus.
By implementing these steps, AnnualCreditReport.com will request your name, address, Social Security number, and date of birth to verify your identity. You will also need to provide some information in response to some security questions. This is followed by the decision on whether to receive a report from Equifax, Experian, or TransUnion. You can ask for your report from one of the three bureaux any two bureaux of your choice or all three bureaux. Once you have submitted your report, you can review your report online, take a printed copy, or save it for your files. When you request a copy of your credit report, this does not affect the score or the information on the report in any way.
Be very cautious regarding sites that provide unverified credit reports. Other similar websites you can try out include CreditKarma and Credit Sesame, which offer free credit reports and credit scores. However, the credit reports, that they share with you, might not be the full actual reports from the credit bureaus. Likewise, most decision-making models are often the result of an estimation model. Still, critical information can be lost on such third-party sites even though they can be useful in monitoring one’s credit. If you need to get your entire official credit report, you should use AnnualCreditReport.com.
For Better Accuracy, Buy Your Credit Reports Separately
Alternatively, you can buy your reports directly from each of the three major credit bureaus, if you prefer. These are the details of each of the companies
- Equifax Order by Phone No or by requesting at Equifax.com
- Experian - Phone 0800 197 8010 - - - or visit wwwExperian.com
- TransUnion - Order by phone - - or at TransUnion.com
You may be asked for your SSN, DOB, addresses of where you lived over the last two years, and a debit or credit card for payment of the order if you are ordering online or by phone. Each bureau will make you pay a fee for the report they are going to give to you. You can also purchase your credit report and request your credit score for an extra fee.
If You Have Been Denied Credit, You Can Get A Free Credit Report
When you apply for credit such as a credit card, auto loan, or mortgage, and the credit issuer declines your application based on your credit report, the credit issuer is legally mandated to offer you a copy of the report that they used. This applies whether you are declined based on having bad credit or no credit at all; that is, no credit bureau record. You will be able to conduct the request within sixty days of receiving the adverse action notice based on the denial.
Check Every Credit Report Of Yours That Is Available
Since everything is not reported to all three credit bureaus and they might contain slightly different information depending upon the creditors that report to them it is advisable to review your credit report from all three credit bureaus annually. To maintain an eye on how your score is changing over time, or to monitor for discrepancies, mistakes, fraud, or any other deleterious elements that may be hurting your score, it is helpful to keep track of your credit scores across Equifax, Experian, and TransUnion. The ability to notice irregularity is easier when one is consistently checking their credit report. When there are signs that predispose to the occurrence, earlier steps can be taken to reduce the financial impact.
You do not have to worry about checking your credit report because it does not bring any adverse consequences to the score. An inquiry is only likely to show up on your report if you apply for a new credit. Even if you only deliver the report and go through it, it does not translate to a hard inquiry but is referred to as a soft inquiry. Manage your credit report and ensure you correct any discrepancy that may compromise your rating in the process of checking it at least once per year. In other words, good credit comprises access to housing, employment, insurance rates, financing, and responsible handling of debts.
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