Did you know that it is possible for you to get a free credit report? Actually, by law, you are entitled to a free credit report from each of America’s three credit reporting companies: TransUnion, Experian and Equifax. But you have to make a request, in order to get the free credit report that you are by law entitled to. The central site where you can make the request for the free credit report from each of the three credit reporting companies is annualcreditreport.com. You just have to visit that site, and make the request for the credit report(s) there. The credit reporting companies are under obligation to provide you with one free credit report per annum, once you make the request for the same.
The steps you need to follow, to get a free credit report
To get a free credit report, you just need to go to annualcreditreport.com, and make a request for the report there. You can also go to freecreditreport.gov, and from there, click on the links provided, to take you to annualcreditreport.com, where you will be able to make the actual requests for free credit reports.
Information you will be required to provide, to get a free credit report
To get a free credit report, you will be required to provide some basic personal information. That includes your date of birth, your name and your social security number. Then you may be asked a question, to verify that you are indeed the owner of the credit report that you are seeking. All this happens at annualcreditreport.com: the central site where you can access the free credit reports.
Alternative methods of getting a free credit report
If you don’t like the idea of requesting for a free credit report online, there is still a toll-free number that you can call, to request for the credit report. Then there is the option of requesting for the annual free credit report by snail mail. The address you can use to request for a credit report via snail mail as well as the toll-free phone number you can call to request for a free credit report, are available from freecreditreport.gov.
Ways in which the free credit report can help you
The free credit report can help you figure out whether or not you come across as a creditworthy person. You have to understand that lenders, landlords and potential employers are likely to make key decisions about you based on your credit report. At another level, the free credit report that you get from the credit reporting companies can help you in figuring out whether the information they have about you is accurate and complete – and whether it is up to date. If you find errors in the report, you can take steps towards getting the error rectified. But if you don’t request for the free credit report, you probably won’t have a chance to note such errors and have them rectified – and you may therefore end up getting disadvantaged.
Links to help you
- Federal Trade Commission—FREE Annual Credit Reports:
- Free Annual Credit Report