Government Credit Report

How To Get Your Free Government Credit Report Article Source : http://www.creditreportyes.com Under the Fair Credit Reporting Act, you are entitled to ask for, and receive, a free copy of your government credit report once a year. The FCRA serves to promote accurate information, held in privacy, by consumer reporting companies Your credit report has information like where you live, how your bills are paid, whether you have been bankrupt, sued or arrested. The consumer reporting agencies sell your credit report to companies that need the information to help them make decisions about whether to lend you money, extend you credit, rent you a property, offer you insurance or give you a job. There are a few reasons why you would want a copy of your credit report. You might want to make sure the report contains accurate and factual information before you apply for a loan, for insurance or new employment, to make sure that there isn't anything incorrectly in the report that could affect your approval chances. Checking your credit report annually is also a precaution against identity theft. Also, if you have had credit declined, your credit report could contain information that will tell you the reason this happened. You are protected by the Act and have certain rights as well. At this time, there are three consumer reporting agencies nationally, but they are combined under one mailing address, toll free number and website. You have the right to apply for a credit report from each of these agencies, once every year. The website is at www. Annualcreditreport. Com; the mailing address is ACRRS, PO Box 105281, Atlanta. GA 30348-5281; and the phone number is 1-877-3228228. You need to first request an application form which needs to be filled in and sent off by mail or email. The information you will need to provide on the application is your name and address; your Social Security number; your date of birth and details of any recent change of address or name. You may be How To Get Your Free Government Credit Report asked some personal questions to identify yourself. The website given above is the only authorized website for credit reports. Other websites exist that claim they provide the free reports, but you usually end up paying over money or parting with personal information. Watch out for the ones that offer you a "free" service with fine print that says they will charge you after the "free" trial period is over. These website are not official and cannot access your free government credit report. The official website will never send emails asking for personal information or money, so you can be confident that your privacy is safe when you apply for your annual government credit report. For information and tips on free credit report score and free copy of credit report , visit Online Credit Report How To Get Your Free Government Credit Report