A free online credit report is available to everybody in the USA and many other countries too. You would be surprised at the amount of people who do not know that they can get a free copy of their credit report, if you did not know this maybe now is a good time to order one.
Everybody needs to know their credit score. It is vital for so many aspects of life – getting a mortgage, having loans approved, being accepted to rent property or finance a car purchase. If you have no money or credit issues do not think that you do not need to know your credit score, you do and many credit reports contain errors so you should at the very least check it for mistakes. And if you are completing any sort of self credit repair you have to understand what your credit rating currently is.
The Federal Government is responsible for making this a national law and because of that credit report companies will be willing to help. The official name of the law is the Fair and Accurate Credit Transactions Act and is often abbreviated with FACT. There are three main credit rporting companies and they are Trans Union,Experian and Equifax. Each of the three credit reporting agencies will need to give you a copy of your credit report.
One of the simplest ways to have your credit report delivered to you is through the website annualcreditreport.com. You can also call toll free at 1-877-322-8228. Either option will allow to secure your consumer credit report quick and easy.
Regardless if you call on the phone or order online you will have to tell them your name,address,birthday and social security number. In addition, in order to maintain confidentiality, the Annual Credit Report Request Service will ask for some information that only you would know, such as the amount of one of your monthly payments.
You should get your credit report pretty quickly after you order.When you order online you can usually see your report right away. If you ordered using your telephone, your report will be printed and mailed to you within 2 weeks. It may take a little bit longer if the credit reporting company needs more information from you, if they are very busy with alot of credit report requests it could take a bit longer then normal.When looking online you will see alot of companies that are offering free online credit reports but they are not associated with the true free credit report process. Generally these companies will give you a free credit report but they will want you to sign up for a credit monitoring service they offer.If you are currently trying to improve credit score problems this might not be a bad thing to have.
Keep in mind that you can only request a free online credit report once per year. If you want another free one you will need to wait twelve months or you will have to pay for it. Still, there are currently particular circumstances where the average person can receive one more report without cost. If you are currently unemployed or on government assistance you may be able to get another report, credit reports with mistakes that needed to be fixed also fall under this category, if you are trying to recover from identity theft, or if you are not able to secure insurance due to credit score issues. If you think you fit one of these cases, contact the Annual Credit Report Request Service and ask them if you can order another online credit report for free.
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