Get Your Credit Answers: Get a copy of your free credit report

Get Your Credit Answers: Get a copy of your free credit report.

via Get Your Credit Answers: Get a copy of your free credit report.

Get Your Credit Answers Step 1:

 

Get Your Free Credit Report in 2012

All consumers in the US are entitled to receive one free credit report each year from each of the three credit reporting bureaus – Equifax, Experian, and TransUnion. You can request a report from one bureau at a time or get all your three credit reports at once. This is clearly stipulated in the Fair Credit Reporting Act (FCRA) and the three major bureaus must comply. Your credit reports will get you most of the credit answers you need.

You can start the year right by checking your free credit report. Why is it important to check your personal credit report? Checking your file will give you the opportunity to ensure that all the details are accurate and up-to-date. It is also a great precautionary measure against the threat of identity theft, as you can be immediately alerted in case someone might be using your personal information to open new accounts or commit fraud. With bad credit, you’ll have less options.

If you plan to apply for a loan such as a car loan or a housing loan next, checking your credit report is a crucial step. Errors in your report can badly pull down your credit score so if you notice anything that needs to be corrected, you can immediately notify the credit bureau. Fixing an error in your report can instantly boost your score. Consequently, a higher credit report score will enable you to access better loan terms and get approved more easily. Credit repair to raise your score takes time, be patient.

Where you can you request for your free report? The three major bureaus set up an official website for free consumer credit reports – http://www.annualcreditreport.com. Keep in mind that if you will order directly from a credit bureau, there is fee of $9 to $12 for each report.

To order your free online credit report, you can visit the website or call the toll-free number at 1-877-322-8228. You can also print out the Annual Credit Report Request Service form from the FTC’s website (ftc.gov/credit) and mail it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

Consumers must watch out against fraudulent websites that offer free credit reports as these might be operated by illegal companies or identity thieves. The personal information you provide on these websites to order your free report might be used against you to commit crime. In some cases, unscrupulous lending companies may also offer free credit reports from their website but once you sign up, you might discover that the service is not entirely free at all. You might be forced to sign up for another service that comes with a fee.

Aside from the annual credit report, you may also be eligible to request for a free report if you suspect to be a victim of ID theft, if you have been denied credit by a creditor or insurer because of your personal credit, or if you are unemployed and plans to seek a job within the next 60 days.  Please check out our site:  Http://www.creditrepairto.co  for more credit answers.

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