How To Get A Copy Of Your Credit Report?

Ordering your credit report

This report gives vital information on your credit history involving loans and credit cards and your record of paying them. This information is compiled into your credit report, which is used to compute your credit score that creditors use in determining whether to lend you money or not when you apply for a loan or a credit card. This is why it is important to review your credit report once in a while to verify the information provided is correct.

When you file for a free report from the three main credit bureaus in the United States, namely Equifax, Experian, and TransUnion, you are entitled to a free copy every 12 months. You also have the right to get one free credit report if a creditor decides not to issue you credit or a job rent you an apartment or give you any other service because of the information in your credit report. Employers are required to provide the contact information of the credit bureau that was used to prepare the report through the adverse action notices.

AnnualCreditReport.com

Although there are various sources from which you can obtain credit reports for free, the most convenient one is through the official site known as AnnualCreditReportcom This site was established by the three credit bureaus as required by the federal authorities. It can be found on the web or it is available to be called or to send an application with some of your documents.

Once you get to the website AnnualCreditReportcom you will be required to input your details such as your name, date of birth, Social Security Number, and address as a means of confirming your identity. You may also be required to provide financial information depending on the state you reside in or the type of loan you require.

They provide free credit reports for those who go through the identity verification process, and you get to choose it from one of the three bureaus, two bureaus, or all three bureaus. As soon as you have made your choice, you will be able to view the credit report or reports that you requested.

Direct Requests

You can also get free copies of your annual credit reports without going through Experian, Equifax, or TransUnion directly.

Equifax – equifax.com Experian – experian.com TransUnion – transunion.com

Similar to the case with AnnualCreditReportcom, consumers will have to complete an identity confirmation process when purchasing a credit report directly from the credit bureaus. Every bureau also has options to buy other products or additional copies of your report as well. But a simple request to receive a free annual report is very clear and transparent and does not involve any kind of payment.

ThirdParty Websites

Though getting the credit reports using AnnualCreditReportcom is the recommended procedure, there are quite several other websites that claim to offer free credit reports. There are several reliable websites offering credit reports for free, as they offer credit monitoring services, and a certain number of credits are free of charge.

However, numerous sites are offering free credit reports where you get an opportunity to get your credit report for free but you have to sign up for paid subscription services before you are allowed to access your report and they have complex ways of canceling your subscription. The Federal Trade Commission has posted information concerning the scam stating that Free Credit Report and FreeCreditReportcom are not affiliated with the free annual credit report program mandated by the federal government. Pay particular attention to all the conditions stated in any additional web pages before entering any payment details on any third-party web pages.

When You Need to Review Your Credit Report

The best practice for the credit report is to do it more than once, meaning checking the report often. It is recommended to take one free credit report from any of the credit bureaus every four months. It is possible to track credit every month since the three credit bureaus can be accessed in turn throughout the year.

When you obtain any credit report, ensure that all details included in the report are correct and up-to-date. Always search for mistakes such as incorrect name and address, phone number, or credit accounts that you never opened. If you come across mistakes or some data is outdated, make sure to forward the necessary information to the credit bureau and the related financial institution for correction. This is a very crucial step as it enables one to correct the information that is being reported regarding the credit history.

It also assists in combating identity theft to stay informed regarding the content of a credit report. In the case of fraud, because credit reference agencies report any fraudulent activity within a few days, it would be easier to notice such an activity soon after it has occurred. If you find signs of identity theft, apply the measures as soon as possible, such as the credit freeze and fraud alert. You should also file an Identity Theft Report and learn how to report it to companies where the fraud is still taking place on any of your accounts.

Let me hope that this article has managed to open the reader’s eyes to why it is important to check credit reports and how one can get the reports for free. Consumers must also continue to be educated about fraud and it I’s a must for one to start practicing monitoring of your accounts and reports at any given time.

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