How To Get My Yearly Credit Report?
The Steps on How to Obtain Your Free Annual Credit Report
A credit report is the credit history and details of the activity that an individual has incurred in credit facilities. It encompasses credit card details as well as loans and other accounts. Credit reference agencies and credit grantors such as banks and other financial institutions use your credit report and score to assess your creditworthiness each time you apply for a new credit card, mortgage, auto loan, or any form of credit.
According to the law, you are allowed to request a free credit report once per year from each of the three major credit reporting agencies that operate throughout the United States including Equifax, Experian, and TransUnion. It is equally important to obtain your annual credit report and go through it to identify any erroneous information that may have been reported. Sins or previous information provided can also prove to be erroneous for your credit score.
This guide will help you navigate the steps of getting your free annual credit reports from all three major credit bureaus.
When to request your Credit Reports
You are allowed one free report per year and the time you have to wait to get your next free report is 12 months. The first one that has been suggested is to ask for a report from a different agency every four months. This enables one to follow the credit report of each agency in a single year.
For instance, you could request your copy of Equifax in January, TransUnion in May, and Experian in September. The beauty of it all is that you can make your requests for credit reports at different times or years and you will not be charged anything.
Who Can Provide You the Free Reports
The website where you can get your three free annual credit reports is the official one and it is called an annual credit report. com. To support this centralized service, the three nationwide consumer reporting agencies were established.
Please do not order any of your reports from any other website that may say they have free credit reports or free credit monitoring. Some of these fake sites are named after the real site or have the same internet addresses. Ensuring that you are using the correct site to access the FTC’s official site is through accessing the site annuallycreditreport.com.
The details that the applicants have to disclose in the application include:
Be prepared to provide the following personal information when you request your credit reports:
- Full name
- Date of birth
- Social Security number
- Permanent residential addresses of your residence for the past five years
- Active phone number
You might also receive several security questions or be asked some digits of your Social Security number as a verification. As you read this, having this information will make it possible to grab your report online when the need arises.
Many people do not know how to order their credit reports to keep tabs on their credit scores, Here is how?
You have three options for requesting your free credit reports from annualcreditreport.com:
Online
Doing it online is the most convenient way as it entails using the website to order the required report. Ensure your computer is up to date with the browser since current browsers have better encryption and security features. Go to the website click the “Request your free credit reports” link and follow through the process.
Phone
Potential customers can also dial 877-322-8228 to have an operator take down their requests through voice. Be prepared to provide information to help you confirm your identity.
You can print out the Annual Credit Report Request Form from the website and mail it to:
Annual Credit Report Request Service PO Box 105281 Atlanta, GA 30348-5281
It may take a relatively shorter time compared to the online or phone methods of making a complaint.
Understanding Your Credit Reports
When you receive your credit reports, set aside time to thoroughly review all sections, including:
Personal information – Be sure it corresponds to your data from the application.
- Report – Check if you opened the account(s) and the status is accurate on your credit report.
- Inquiries – requests others have made to check your credit should mirror the applications.
- Bankruptcies – Background information with some facts about the client should not be misleading, incorrect, or fake.
If you notice or spot any discrepancies or fraudulent activities regarding your credit reports then you should immediately report the matter to both the credit bureaus and the creditor that you are dealing with to make the necessary adjustments. This will help to build up credit rating gradually.
Each credit report must be reviewed with utmost caution at least once in any given calendar year. This way, through checking the credit file often, one is in a position to note any anomalies that may be there or any act of fraud being done. Free credit reports are an essential part of improving your general financial well-being as well as preserving your credit rating.
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