How To Get A Free Credit Report From Experian?
Guide on How to Obtain Your Free Experian Credit Report
Your credit report includes personal information and credit information such as payment records, credit card balances, credit history, credit card origin, and other factors that your lenders use to measure creditworthiness.
It is important to look at your credit reports periodically to know your financial status and also to correct any wrong information that may be out there about you. Specifically, according to federal law, every twelve months you are entitled to receive from each of the three major credit reporting agencies that include Equifax, Experian, and TransUnion your credit report for free.
You will be able to read in this guide how to get a free annual credit report from Experian.
The following are the reasons why you need to get your Experian credit report:
Equifax, Experian, and TransUnion all maintain credit reports that detail your credit history, although the details in each of the reports may not always match exactly. To do it, it is possible to fail to notice relevant aspects that affect the credit score based on the checking of only one report.
One, by getting all three, you can ensure that everything is correct and nothing is missing since the credit bureaus have different reporting. Some financial experts advise that people should perform a different check every 4 months to have a more frequent check on their credit report.
Out of the three major credit bureaus, here are some key reasons why obtaining your Experian credit report is essential:
Get Familiar with How Lenders Perceive Your Credibility – This information that you find with your Experian credit report enables you to understand how lenders determine your credit risk level before extending credit. The former is important because it helps one to take measures to enhance his/her credit status in the future.
Check for Fraudulent Accounts – Having your Experian report sent to you periodically makes it more convenient to identify fraudulent accounts that may be created in your account or credit inquiries that are unfamiliar to you. It is always important to identify fraud at the initial stage since it enables one to deal with it the soonest.
Check Payment Statuses – The Experian credit report provides information on the status of the credit accounts, loans, bills, and other obligations at the time of compiling it. This helps you to verify that creditors are reporting your payment and your account status properly.
Check All Inquiries – Credit inquiries, which are application requests for your credit history, are shown on the Experian credit report. Inquiries enable one to track all the instances where a person has requested for one's credit details or profile.
Dispute Errors – There is always a chance of errors on your Experian credit report such as accounts that are not yours or accounts in which the status is not right, you can contact Experian and ask for the error to be rectified. To make the right decision and have a good credit position, it is necessary to have accurate data about your credit.
All the information you need to get your free Experian Credit Report now.
That way, there are no hidden fees to obtaining your free annual credit report from Experian because it is easy to do through Experian’s website or by completing a request form that can be mailed in. Here is a step-by-step guide to obtaining your report:
Online Request To request your report online from Experian’s website, follow these steps:
Step 1: There is a need to open a URL and the one relevant to this experiment can be opened through www. experian. com/help in any web browser. The text on the page you have arrived at should read ‘Get your free credit report’, and with that option highlighted, click on it.
Step 2: On the next page, click the “Start Now” button to begin your online request and provide the following information when prompted:
- Full legal name
- Current mailing address
- Social Security Number
- Date of birth
Step 3: Confirm your identity by providing personal questions about your credit report or other identification such as the driver’s license number, state identification number, military ID, passport number, or insurance member number.
Step 4: Choose if you’d like the one-time credit report or enjoy free monthly monitoring with Experian. Furthermore, with monthly reports, a user will receive email alerts each time there is a change in the credit file with Experian.
Step 5: You will be provided an email where you can have a secure document with your free Experian credit report sent to your email. It is advisable to look at the mail notification in the main inbox and also the spam folder. After the report is generated, it becomes accessible for you to print, view, or even save it in your file.
Written Request To get your report by mail from Experian instead, follow these instructions:
Step 1: To obtain the Annual Credit Report Request form, Click on the link www. experian. com/help, to download and print the form. You can also mail the form – or simply dial 1-877-284-7942 to ask Experian to mail the form to you.
Step 2: Fill up the request form with the individual information including the full name, the previous addresses of the applicant for the past two years, Social Security Number, and the date of birth.
Step 3: Mail the completed request form to:
Annual Credit Report Request Service PO Box 105281 Atlanta, GA 30348-5281
Step 4: After about one to two weeks for it to be processed, you should receive a credit report from Experian in the mail. It will come in an ordinary and plain envelope with no company logo.
Experian’s Credit Report What You Should Know Once you receive your Experian credit report, make sure to carefully review all sections including:
Personal Data Section – Confirm the standard details about yourself such as your full name, your address, your social security number, and your employment status.
Accounts Summary – Check now the present status of each of your credit card and loan accounts, when you opened the accounts, how much credit line is available, how much loan balance you have, and your payment record.
Inquiries – Look at a list of everyone who has ever run your Experian report inclusive of prospective lenders. The only form of inquiries that could affect the credit score is approval-related inquiries which are only a temporary situation.
Public Record - Review any public record items concerning your credit history including but not limited to; bankruptcy, civil judgments, or tax liens. These are kept for seven to ten years.
Other Significant Credit Activities – They are also referred to as Hard Credit Inquiries, arising from the process of applying for credit facilities such as credit cards, among others. When done frequently within a short duration, you may experience a drop in your credit score.
Accounts with Negative Balance – It is imperative to include any existing or prior defaults, delinquencies, repossessions, foreclosure, settlements, etc.; all of which may hurt credit depending on the gravity of the situation.
To ensure that you get the best credit standing that you can sustain for years ahead, it is also important to follow up on any of the inaccuracies that you discover while monitoring your general credit standing.
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