How_To_Get_Your_Free_Annual_Credit_Report

Document Sample
How_To_Get_Your_Free_Annual_Credit_Report Powered By Docstoc
					Best 850 Finance PLR Articles: www.financeequityloans.com

Title:
How To Get Your Free Annual Credit Report

Word Count:
516

Summary:
Unfortunately along with the holiday season usually comes an increase in
credit card fraud and identity theft, so right after the holidays is a
great time to check your credit report. The following article will show
you why, when and how to check your credit report...

Why you should check your credit report

*   to check for errors
*   to check for fraud and identity theft
*   to get the best interest rates
*   more and more people are relying on credit scores - car insurance...


Keywords:
free annual credit report, how to get your free annual credit report


Article Body:
Unfortunately along with the holiday season usually comes an increase in
credit card fraud and identity theft, so right after the holidays is a
great time to check your credit report. The following article will show
you why, when and how to check your credit report...

Why you should check your credit report

* to check for errors
* to check for fraud and identity theft
* to get the best interest rates
* more and more people are relying on credit scores - car insurance,
employers, etc.

When to check your credit report:

* Once a year if you have good credit and don't anticipate any large
purchases in the near future
* Before a major purchase, such as a new home, new car, etc. - should
request your credit report 6 months ahead of a big purchase so you have
time to correct any errors
* If you've been denied a credit card, loan or other product or service
because of your credit (you are entitled to a free credit report if you
have been denied credit based on information found in your report)
* If you suspect that your identity has been stolen
* If you are starting a plan to get out of debt or repair your credit.

How to check your credit:
There are three credit reporting agencies (Equifax, Experian and
TransUnion), and they are required to provide you with one free credit
report each year. The three agencies do not always share the same
information, so it's important to check all three.

You can order all three credit reports at one time, but it may be a
better idea to check one company one month, wait a few months, then check
another company, then the third company a few months later. This way you
are getting three free credit reports a year, and you are checking
several times a year, so you are more likely to catch errors and/or
fraud.

Go to www.annualcreditreport.com to request your free credit report
online. This is the only authorized source for consumers to check their
credit report online for free. There are commercials and websites for
other companies who claim to offer your credit report online for free,
but they are generally selling a service or they are a scam.

In addition, you can call 1-877-322-8228, or you can write for your free
credit report at: Annual Credit Report Request Service, PO Box 105281,
Atlanta, GA 30348-5281.

Finally, you can purchase a 3-in-1 report, which is basically getting all
three reports from each of the credit bureaus. This is a good idea if you
have never requested your credit report before, or if you suspect fraud.
You can purchase your 3-in-1 credit report at www.myfico.com.

Regardless of what time of year it is, it's important to check your
credit report periodically to make sure there are no errors and that you
have not become a victim of identity theft or fraud.

But it's even more important to check your credit report right after the
holidays to make sure that you didn't become a victim of fraud during the
busiest shopping days of the year.

				
DOCUMENT INFO
Shared By:
Categories:
Stats:
views:3
posted:3/14/2010
language:English
pages:2