3 Totally Free Ways to Get Your Credit Report

Yes, you can now get your credit report without paying a dime. And unlike before, now it is truly free. No longer make you have got to subscribe up for a "free" credit report by sign language up for "credit monitoring protection service" for a low annual fee of $79 a year! The years of dodging the bothersome charges and service fees for a free credit report are over.

Under the 2003 Carnival and Accurate Credit Transactions Act, you have got the right to a free transcript of your credit report within a 12 calendar month time period from the large three credit report bureaus (Experian, Equifax and TransUnion). The end of this new authorities enactment is to guarantee that Americans have got the right to remain informed about what these three credit reporting bureaus state about you without having to pay for it. Since identity theft, fraud and mistakes are quite common today, why should you have got got to pay for a transcript of a report to struggle back against these problems?

Here are the 3 ways to get your free annual credit report:

1) The three credit reporting agencies have created a website to bespeak your annual credit report. Go to www.annualcreditreport.com to bespeak your free report.

2) Call (877) 322-8228 to bespeak your free credit report.

3) Complete a word form from the Federal Soldier Trade Comission, http://www.ftc.gov/bcp/conline/include/requestformfinal.pdf and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, gallium 30348-5281.

If you travel directly to the three agencies or usage any other type of service you may stop up having to pay or mark up for the subscription services I mentioned above! Brand certain you utilize 1 of the 3 methods I have got listed to get your annual free credit report.

You can get the reports from all 3 agencies at once or stagger the reports from each one during the course of study of 1 year. The advantage of staggering the reports that you have is to maintain path of how any major changes in your financial image affect what is on your credit report. For example, if you be after on getting a second mortgage over the approaching year, or applying for student loans, ect. it might be wise to get a report before and after these major events!

This new Act makes not supplant the other methods you can take advantage of to have a free credit report. If you are applying for unemployment or been denied a loan, or need a credit report in order to get a job, you still have got the right to obtain a free credit report.

Take advantage of this new authorities ordinance and do certain all of the information listed by all three credit reporting agencies are correct. Any mistakes or skips can reduce your credit score and end up costing you a batch of money when you apply for any type of credit.