How To Get My Credit Report For Free?
How to Obtain Your Credit Report
AuthorWays on How to Obtain Your Credit Report
Details regarding the accounts you have opened for credit and which are still active; information about the amount of money you owe and your record of how quickly you pay those debts; and further information about your credit history. Your credit report also shows your payment history, which tells about how timely and regular you are with your payments. Your credit score, which serves as a tool to help lenders decide on your creditworthiness wherever you apply for a loan or credit card, is derived from this information. When reviewing credit re-report, you need to be somewhat meticulous to ensure the accuracy of the information on the report.
Federal law states that from each of the three main nationwide credit reporting companies—Equifax, Experian, and TransUnion—any customer can obtain a free credit report every twelve months. To diversify your account, make your requests at several points in the year, or order all three reports at once. Before applying for credit, the annual free credit reports you get can help you look at possible improvements and also help you find fraud indicators or mistakes.
The free credit report can be obtained by three methods: online, over the phone, or by mail.
How to Learn Your Free Credit Reports Online
The web page that one should go to to get the free credit reports from the three agencies, Equifax, Experian, and TransUnion is AnnualCreditReport.Com. This central service was developed to conform with the FACTA of the year 2003 which focuses on Credit Transactions.
To request your reports online by going through annualcreditreport.com, the consumer is required to fill in their name, address, Social Security number, and date of birth for identification purposes. It will then guide you to the directories of each bureau through its links which will enable you to acquire the reports of your own.
Although the duration may vary depending on the intricacy of the documents, the online procedure should take around minutes to finish every report. If you get your reports, it is usually good to review the whole report in a bid to determine if there are problems you would like to challenge with the credit bureaus. For reference or should you need to review each report in the future, it is also advisable to print out or keep a copy of each.
Phone-based free credit reports The advice in this post will help you to get your free credit reports via phone.
If you do not want to use the online service to get the free annual credit reports then you have the option of using the phone to request the reports. To have your reports by phone, simply call 8773228228.
When you dial this toll-free, you will be connected to a recorded interface. You will be asked your name, other name, Social Security number, date of birth, telephone number, and mailing address. The automated system will then inform you which credit bureau you are complaining –about Equifax, Experian, or Trans Union.
If you have not already done so, click on the option to proceed with your free annual credit report from that particular credit bureau after identity verification. It can also be mailed to you or be in a pre-recorded phone message that will have the details of your credit file read to you. Bound copies: Reports accessed through the phone cannot be printed or saved.
Free Credit Reports By Mail In this present generation, everyone needs credit reports By mail to build his or her credit score, and this is an essential tool that will help you achieve this.
Applying for your free annual credit reports through postal mail is the other method that you can use to submit your request. To request your credit reports by mail, contact each of the three credit bureaus individually at these addresses:
- Equifax PO Box 105281 Atlanta, GA 30348
- Experian PO Box 2002 Allen, TX 75013
- TransUnion PO Box 1000 Chester, PA 19016
Print out the Federal Trade Commission FTAs' Annual Credit Report Request Form from the web edition and fill it out. Among the data the service needs from you are your name, address, social security number, and birthdate. Either mail the signed form to every credit bureau indicated above or complete this form and send it to each one separately. Your reports ought to show up in the postal mail in days.
If submitting the form through postal means, using certified mail is recommended as it offers proof of request if there is a problem with the credit reports received.
Other things to know about free annual credit reports
Even though federal law has provided that one is eligible for free credit reports once in three months, the following are a few other factors of consideration.
That means that you need to ask for each credit report individually unless you are using the annualcreditreport.com online facility. It is recommended that requests should be made with intervals of every four months for more frequent checkups.
While the laws surrounding free credit reports are typically helpful for consumers, they do not include provisions for free credit scores or other monitoring services. Sometimes, the credit score will be available for free while at other times, you might have to make some payments to access the score.
The free credit reports provided once per annum may not contain information on all the credit activities or credit inquiries done in the past Such details might still be available in the credit reports that are given to lenders with your permission whenever one is applying for credit.
Again, always be careful to use annualcreditreport.com exclusively to get your free credit reports. Other sites offering free reports might be disguised scams or may attempt to sell you a lot of products or services that you do not need. Annualcreditreport.com will not help you to check your credit score or repair your credit score but it will give you access to your three credit reports.
Since millions of Americans over the age of eighteen were recently given the right to a free annual credit report, you should make it your job to stay on top of your credit. Make sure you have the correct credit information and that it is updated by checking on the reports frequently.
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