Official Government Credit Report Site
2010
Free Credit Report
If you are unsure of your credit and how it currently stands, you are entitled by law to get a free credit report. And that will allow you to check and see where your credit is today and protect yourself in the future from an credit or identity scams as well.
The Fair Credit Reporting Act enacted a law requiring the three main credit reporting agencies to give consumer a free copy of their credit report annually. The credit reporting agencies are:
· Experian,
· Equifax,
· TransUnion
In fact a website was setup through which individuals are able to apply for a copy of their current credit report each year. The site, annual credit report is the one site that the three credit reporting companies use to supply the free credit reports for consumers. While other websites may offer you a free credit report, this is the official site that was setup by the federal government and the credit agencies to provide the free reports. So before you utilize other websites, make sure that you are actually getting a free report and do not have to pay for anything in the future. There are some online sites that are portraying themselves as official sites when in fact they are not. If they ask you for a credit card before giving you your report, you need to read the fine print.
One point to note when you get a free credit report you do not get your credit score included in that for free. So if you are only trying to make sure that your credit report looks “clean” as in no delinquencies and no credit that isn’t really yours showing, then this report will be sufficient. However, if you are thinking of applying for a new loan of some type, you might also want to have your credit score included as well. And if that is the case, you will need to pay a fee for that number to be given to you.
Not getting your annual credit report could mean that your credit is not reflective of what you have done. There could be delinquencies showing or credit that wasn’t yours impacting your credit report and your credit score. If you do not get them corrected, your future ability to borrow at the lowest interest rates might not be possible. And in an age where identity theft is on the rise, checking your credit report annually helps you prevent your identity from being taken over. And trying to clean up after that has happened can be an expense that is in the thousands to accomplish.
You want to make sure that you get your credit reports from all three companies. Each company has a different way of looking at your credit. Some items that may show up on one credit company report may not be on another’s. So to be sure that you really know your credit, you need all three reports. In addition, you do not know which company your next lender will use when they pull your credit report. By having checked and corrected all three reports so that there are no errors or issues ensures the fact that you appear as qualified as possible.
Getting a credit report is a simple task that you can accomplish online, by phone or via the mail. And by making sure that there is the right information on your report, you are better able to qualify for loans when you need them.
About the Author
Free credit report tips at www.freecreditcare.com
The Government Propaganda Resistance Welcome to VisionVictoryManifesto.com Unemployment Report
|
|
Garmin nüvi 265W/265WT 4.3-Inch Widescreen Bluetooth Portable GPS Navigator with Traffic $133.00 … |
Comment