How To Get Free Credit Report Online?

How to Obtain Your Credit Report Online

A credit report is a sensitive document that creditors rely on when evaluating your eligibility for any credit products such as loans, credit cards, and other credit facilities. This section highlights your past repayment history of loans and credit accounts. According to Federal law, you have the right to receive your credit report from any of the three major credit reporting agencies in the United States namely Equifax, Experian, and TransUnion once a month without any charge. Another reason to review your report that you can easily identify mistakes and fraud signs faster.

This article describes the two ways that can be used to receive your free credit report – either through the AnnualCreditReport. com which was created as part of the Act of the Fair and Accurate Credit Transactions or by going to the website of each of the credit bureaus. It also helps you understand what information you will get and what information will not be included in these free reports.

Method 1-  Using AnnualCreditReport.com

AnnualCreditReportcom is a website established and designed by the federal law known as the Fair and Accurate Credit Transactions Act. This official site gives every consumer in the United States one free copy of each of their three credit reports from the major nationwide credit bureaus, incidentally, without requiring them to provide a credit card.

Follow these steps to request your free reports from AnnualCreditReport.com:

Step 1- Go to the AnnualCreditReportcom site and click on the button to get credit reports. The website will guide you through entering basic details unique to an individual, such as name, date of birth, Social Security number, and address, among others. This helps the site to identify you and grant your request as you desire because they know your details.

Step 2- The second item of the personal credit report is the information that you have provided on the places where you have lived and the credit accounts you have opened in the last two years. This also aids in the identification process to ensure that you are the right person to be granted a certain privilege.

Step 3- Choose whether you wish to receive your 3 reports now or in increments of 1 throughout the next year. Receiving them all at once is also beneficial since sometimes the information is presented side by side.

Step 4- If you’d like to receive email updates on your request and when your reports are ready, please enter your email address below. However, it is okay if you do not want to provide an email address.

Step 5- Close a few more pages repeating the information about your legal rights under the FACT Act and the products that can be bought. These pages present dates and information that may vary depending on state law where you live.

Step 6- After completion of your work, you are allowed to retrieve and either print or download your reports. In terms of time, each report may take 15 days or more for processing once you have made your request. You will be notified of the availability of the reports at AnnualCreditReport. com and will have to go back online to view them.

Instead of going through the free annual credit report once a year, AnnualCreditReportcom and if you request one report from each credit bureau every four months, you can evaluate your credit record as frequently as you can every three to four months. Just make sure you allow a period between each request for the results to be processed in the system.

Method 2: You can also go straight to each of the credit bureaus’ websites.

In addition to the process mentioned above, you can get your free credit reports from each of the three nationwide credit bureau websites that you are legally entitled to once a year.

Follow these steps to get your credit reports from each bureau: To Equifax credit report

Step 1- Go to www. Equifax. com and then scroll down to the bottom of the homepage where you will find a link to your free credit report. Fortunately, it does not require any credit card to apply for this product.

Step 2- Check all the details in the disclosure box and accept the terms by clicking on the button to get a report.

Step 3- Self-identification is done by entering personal data such as your Social Security Number, your date of birth, your name, and your address. It can be different but usually, the questions are designed to make the testee recall their previous places of residence, employers, or credit accounts.

Step 4- Go to www. Equifax. com and use your personal information to obtain a copy of your credit report This will be useful in case you want to make copies of your credit report.

While not incorrect, the following statement is more accurate if it focuses on a specific name: For your Experian credit report.

Step 1- Go to the official Experian website and then click on the option that says freeze your credit report for free.

Step 2- Enter your first name, last name, email address, phone number, and login information for Experian, agree to their terms and/or sign up for their services, and permission for marketing calls or mail if wanted to get your reports. Marketing offers are optional.

Step 3- They include but are not limited to answering identity questions relating to current or past addresses, employers, and financial accounts. Some of the many types of questions are meant to confirm identity.

Step 4- As soon as you have completed the application form, you can view, save, and print your Experian credit report online instantly.

Here is what you should know for your TransUnion credit report

Step 1- Visit the TransUnion Credit Reporting Agency website or portal and choose either to pull your credit report online or through mail. Some reports are available online only for some selected states but all states for mailed reports.

Step 2- On the first line type in your name, your date of birth, your SSN, and your address. Alternatively, click on this ‘I AGREE’ button to accept the terms and submit your request.

Step 3- Correctly enter the account-related questions and be ready to answer questions that check your account information and identity.

Step 4- If your report is online, you can use it right away; if physical, await for it and use it later.

What is contained in the Free Credit Reports that are available for common use?

The information contained in credit reports accessed from AnnualCreditReportcom or directly from the credit bureaus' websites might vary slightly but will be substantially the same and should include: The information contained in credit reports accessed from AnnualCreditReportcom or directly from the credit bureaus' websites might vary slightly but will be substantially the same and should include:

• Identification data Your full legal name, date of birth, Social Security Number, current and previous residential addresses, all employers, and spouse if any.
• Credit reference report Particulars of all existing credit accounts mentioning its standing, limit/amount of loan, outstanding amount, history of payment, etc. Any closed accounts are preserved for 10 years.
• Some of the information included in the Inquiries section is: It contains the list of all the institutions that have reported your credit history within the last two years. Allows you to notice identity fraud.
• Bankruptcy/Foreclosure/Wage Attachments/Tax Levies/Court Judgments The information found in the public records of the subject for the last seven years if available.

Information that is obtained from these sources provides a very good picture of your credit status and history but it does not contain your credit score or rating. To get your FICO Score or any version that is used by your lender or employer, you will need to buy it from sources such as credit bureaus or MyFICO.

It is suggested that credit reports should be checked periodically so that you can maintain the accuracy of the information that is reported about you and safeguard your creditworthiness in the long run. Try to get your free reports at least once a year, if not more, using one of the two simple ways mentioned above.

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