How_To_Obtain_A_Free_Credit_Report

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					How To Obtain A Free Credit Report

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351

Summary:
Ready to apply for a mortgage loan? Thinking about getting a new credit
card? Before you do, you may want to review a copy of your credit report
to ensure that all your information is accurate. And, fortunately, there
are quite a few ways to obtain a free copy of your credit report. Here's
how:

Make a phone call

There are three major credit reporting bureaus: Equifax, Experian and
TransUnion. They are legally required to provide you with a copy of your
credit report--fo...


Keywords:
free credit report


Article Body:
Ready to apply for a mortgage loan? Thinking about getting a new credit
card? Before you do, you may want to review a copy of your credit report
to ensure that all your information is accurate. And, fortunately, there
are quite a few ways to obtain a free copy of your credit report. Here's
how:

Make a phone call

There are three major credit reporting bureaus: Equifax, Experian and
TransUnion. They are legally required to provide you with a copy of your
credit report--for free!--once a year. And obtaining your report can be
as simple as making a phone call! Just do an Internet search to find the
phone numbers of the three credit reporting bureaus, and call each one
individually. In most cases you'll give your information to an automated
voice mail service, and in no time at all your reports will be delivered
to your mailbox.

Write a letter

Don't trust the automated voice mail system? Need your request in writing
for paperwork reasons? When you search online for the three credit
bureaus' information, look for a snail mail address. In most cases, you
can simply send a letter that includes all your basic information--name,
address, social security number, phone number and previous addresses. Ask
for a copy of your credit report. Although this process takes a little
longer than a phone call--because you have to wait for the postal
service--you should still have your credit reports in a relatively short
amount of time.
Go online!

The quickest and easiest way to get your free credit report is to go
online. You can either access your reports directly through the credit
reporting bureau, or you can find a website that consolidates these
reports into one. Either way, you'll get your information instantly--no
waiting! You can print out your report so that you can review it at your
leisure.

No matter which method you choose for obtaining your credit report,
remember: it should be free once a year. However, you may have to pay a
small fee if you want your credit score, too.