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How To Obtain A Copy Of Credit Report

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					How To Obtain A Copy Of Credit Report
One of the benefits of being an American citizen is that each year we get a little gift in the form of a free copy of credit report. Instead of having to plunk down the five to ten bucks it used to cost per copy, we can get one free annually. We can thank the government for passing the 2003 Fair and Accurate Credit Transactions Act and giving us our little bonus.

Equifax, Experian and TransUnion are the three major credit reporting agencies in the U. S. They are each now required to provide every person who asks annually for their credit report a free one every year. They are also required to use one central source. It contains a site on the internet, a postal address and a telephone number.

It is important to note that you are responsible for requesting your annual copy. The companies are not required to simply send out credit reports each year. You have three options to choose from when placing your request.

You can simply use the United States Postal Service. Using the form on the back of the Annual Credit Reports brochure, you can provide your information and drop it into the mail.

Do not forget the telephone. That source also provides a phone number. It is available to you for your convenience, too.

Finally, of course, there is the choice of placing your request online. There is only one official website that provides you with the information and place to How To Obtain A Copy Of Credit Report

fill out your request. You need to be certain that you have found the correct one. Some, less than honest marketers, have chosen site names a few letters different than the official one and will try to charge you.

In total, you are allowed three reports. Remember that each agency must provide you with one. When placing your request, you may choose to do one at a time or all of them at once. Just be sure to use that central source as it is the only way to make absolute certain that you get the credit report free.

If you get your annual free credit report, you may think that you cannot get another one that year without paying for it. However, there are a few circumstances in which you are able to get another free report. Here are a few examples of situations in which you could get that extra report: application for unemployment or to get public assistance;you live in a state that requires free annual reports from each credit agency; or denial of a loan, job or insurance policy due to your credit.

For more information and tips on credit report , check credit score and business credit report visit Online Credit Report

How To Obtain A Copy Of Credit Report


				
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Description: One of the benefits of being an American citizen is that each year we get a little gift in the form of a free copy of credit report. Instead of having to plunk down the five to ten bucks it used to cost per copy, we can get one free annually. We can thank the government for passing the 2003 Fair and Accurate Credit Transactions Act and giving us our little bonus. Equifax, Experian and TransUnion are the three major credit reporting agencies in the U. S. They are each now required to provide every person who asks annually for their credit report a free one every year. They are also required to use one central source. It contains a site on the internet, a postal address and a telephone number.