Annual Credit Report Government Website
2010
Top 3 ways to get free annual credit report
Yes, now you can get your credit report without paying a penny. And unlike before, now is truly free. You no longer have to join a "free report" credit "monitoring credit protection service" firm of an annual fee of $ 79 per year! The days of dodging the annoying charges and service fees for a credit report are over.
As part of 2003, the Fair and Accurate Credit Transactions Act, you are entitled to a free copy of your credit report within 12 months from the three major presentation Credit Report (Experian, Equifax and TransUnion).
The purpose of this act, the new government is to ensure that Americans have the right to be informed of these three credit bureaus about you without having to pay for it. Since identity theft, fraud and errors are very common today, why pay for a copy a report to combat these problems?
Here are 3 ways to get your free annual credit report:
The three credit bureaus have created a website to order your credit report annually.
1) Go to annualcreditreport.com
2) Call (877) 322-8228 to request your report free credit.
3) Fill out a form the Federal Trade Commission
If you go directly to the three agencies or any other service that ultimately may have to pay or enroll in subscription services I mentioned above! Make sure you use one of the three methods mentioned for get your free annual credit report.
You can get reports from all three agencies at once or spread out the reports for each of them for 1 year. The advantage toggle the reports it receives is to keep track of how major changes in their financial situation affects what is in your credit file. For example, if you plan on getting a second mortgage on the following year, or apply for a student loan, etc. .. may be desirable to obtain a report before and after these important events!
This new law does not replace other methods you can take advantage of receiving a credit report. If you are applying for unemployment or denied a loan, or credit report need to get a job, you still have the right to obtain a credit report.
Enjoy this new government regulations and ensure that all information provided by the three credit reporting agencies are correct. Any error or omission may lower your credit score and end up costing a lot of money when applied to any type of credit.
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