How To Get Full Credit Report?
One needs to know how to get a full credit report as this will help them in managing their credit status.
A credit report provides data on your credit history and includes all credit records, loans, payment records, bankruptcy records, collection records, and any other relevant financial information. This report is used by lenders, landlords, employers, and others to assess the likelihood of repayment of the credit and/or the likelihood of non-payment or any other adverse action.
Because your credit report can have such a massive impact on your financial situation, you must be able to get your full credit report from time to time so you can check for any wrong information that may harm your credit score in one way or another. Below are the instructions on how you can obtain a detailed full credit report copy from two of the three credit bureaus:
To get your free annual credit reports, order them here.
FCRA includes that each of the three national credit bureaus must, on your request, supply you with a free copy of the credit report at least once in twelve months. Most of the websites you see that offer free credit reports are scams except the one that is authorized by federal law which is AnnualCreditReport.com so if you want to get your free credit report you should visit this website.
To order your three free annual credit reports through AnnualCreditReport.com:
AnnualCreditReport.com is the website where you will go and click on the ‘Request your free credit reports’ link. This will take you to the request form, After filling and submitting the form, the library staff will process your request. It is now followed by
Step 1: where additional information is provided to verify your identity. You will also have to disclose your full name and address, your social security number, and your date of birth.
Step 2: Choose whether you want the copy of the credit report to be mailed to you or only the electronic copy. This can be attributed to the fact that sending the reports electronically is faster. However, if you are concerned about security and would rather not come and pick it up, click on have it mailed instead.
Step 3: is to decide whether you wish to use which credit bureau or not. You can get the report from one, two, or three credit bureaus depending on the credit bureau as long as you have not ordered a report from that particular credit bureau within the past year. All three should be requested, as various creditors are known to report to each bureau.
Step 4: Click on ‘Place Order’ and check the specifications of your request. Once the company has authenticated your identity you will be able to obtain your Equifax, Experian, and TransUnion credit reports that you applied for.
If you have difficulties confirming your identity, accessing the online reports or if you do not wish to submit your SSN over the Internet, you can contact Annual Credit Report Request Service at 1-877-322-8228 to make your request through phone or mail.
Check Your Credit Report for Inaccuracies.
When you have your credit reports in your hand, it is wise to go through the entire report because there may be discrepancies that require you to dispute with the credit bureaus. Look for:
- The other information that might appear on your report and is not your own
- Misinformation in your social profile data such as your current or previous physical or postal address
- Such as; • Duplicate accounts that have been reported as Late, Delinquent, or in collections when they are not
- Outstanding amounts that should not be as such
- Some of the foreclosures have been noted to be still active in the companies’ ledgers.
These may include some accounts you do not recognize or any information that does not tally with the payment histories, loan terms, account status, and other major credit information, you may be a victim of identity theft. If you have any feeling of fraud, it is highly recommended to contact a financial identity protection service immediately.
It is crucial to dispute any errors with the credit bureaus to ensure that they issue correct credit reports.
If you have noted that the information on your credit reports is wrong or missing some details, then you have the privilege to challenge the information to the credit bureaus. If the data cannot be verified, the credit bureaus are mandated to search and correct the inaccuracies within 30 days. To dispute credit report errors:
Step 1: List all the misinformation you have discovered and outline what should be corrected for each of the credit bureau reports the client has received.
Step 2: Prepare a dispute letter each to the three credit bureaus with your full name, address, and telephone number, followed by your list of items in your credit report that you are disputing together with reasons why you consider the information inaccurate.
Step 3: Place DO NOT send ORIGINAL documents copies to support your disputes such as bills, bank statements, or other account records.
Step 4: Send the letters by certified mail with ‘return receipt requested’ to ensure you are aware of when each credit bureau received the letters.
Finally, the fifth one is to continue monitoring as, in most cases, the disputed items were not removed or corrected within 30 days after being disputed; in that case, the consumer should contact FTC if the bureaus did not investigate the consumer’s dispute.
This is probably the most important step and one that people often neglect – review your credit reports regularly.
Due to the effect that information contained in credit reports has on the eligibility for credit, jobs, and other related opportunities, people need to review the credit reports from all three credit bureaus frequently to identify any mistakes. It is suggested that one should review your credit reports at least once every four months or at times you should consider financing an important purchase.
In addition to your once-a-year free reports, here are options for obtaining regular access to your reports:
Sign up for free credit tracking – Some banks and credit card providers such as Capital One provide their account users with an opportunity of free credit tracking whereby the users get alerts the moment something changes in their credit report besides being provided with $1 million of identity theft insurance.
Credit Monitoring Subscription – For more frequent monitoring and receiving instant alerts every time there are alterations or other suspicious activities on your credit reports, you’ll have to spend $10-40 per month at MyFICO or IdentityForce.
Controlling Score Through Check Frequency – This means instead of checking every bureau all at once, try to check one every four months to be more vigilant without having to spend more money.
What is more, if you periodically read through your full credit reports and not just a credit score, you would be able to detect both, early signs of identity theft, and simple mistakes before these issues evolve into complicated issues that negatively impact your credit and rates of financing. Review this guide again for instructions on how to monitor your credit file and challenge any discrepancy in your credit reports to start enjoying good financial health.
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