How To Get You Free Credit Report Immediately
Since September of 2005 you’re entitled to a free credit report as a citizen of the United States. The Federal Fair Credit Reporting Act has been amended and now says that each consumer credit reporting bureau, which are Transunion, Equifax, and Experian, provide to you a free credit report once every 12 months. So don’t let any of the credit reporting agencies scam you into buying something to access your free annual credit report. You’ll have to give them your name, social security number, address, and date of birth to get your free credit report.
Be careful not to get caught up in one of the credit bureau’s advertisements for a free credit report. There are several advertisements like that out there where they try to get you to subscribe to one of there services in order to get your free credit report. There is only one legitimate site on the internet where you can get your free annual credit report. The site address is annualcreditreport.com. Be careful that you don’t misspell the address or you might get redirected to other websites that offer free credit reports, but only with the purchase of other products.
If you prefer not to order your free annual credit report on the web than you can call the toll free number or use the mailing address which has been established by the consumer credit reporting agencies. To order your free credit report by phone call 877-322-8228. By mail you’ll need to complete the Free Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. Neither of the three credit reporting agencies will provide you with the free annual credit report if you contact them directly.
For security reasons each nationwide consumer reporting agency will ask you for information that only you would know. A question they might ask might be the amount of your car payment or some other question pertaining to information in your file. Since the information in your file which each agency collects comes from different sources each might ask you a different question. You might be offered additional products or services while on the authorized free credit report website but you are not required to make a buy to receive your free annual credit report.
You can get immediate access to your free credit report if you request it on the website. Even though if you do not answer one of the security questions correctly the credit reporting bureau will deny you access to your free annual credit report and mail the report instead. They do this to be sure that no unauthorized person can gain access to your file. If you did not order your free annual credit report on the web than than the consumer reporting agency will mail your report within 15 days of them receiving your request.
There are other alternatives to to receiving a free credit report even if you already obtained your free credit reports for the 12 month period. The laws say that if you’ve been denied credit and request a report within 60 days of receiving notice your entitled to a free credit report. Federal law also says that if you’re unemployed but expect to apply for employment within 60 days, the victim of identify theft and place a fraud alert in your file, your file contains inaccurate information as a result of fraud, or if you are on public assistance, you’re entitled to a free credit report.
If you can’t get a free credit report than you can always buy your reports from the reporting agencies directly. There contact information is as follows: * Equifax: 800-685-1111; http://www.equifax.com * Experian: 888-EXPERIAN (888-397-3742); http://www.experian.com * TransUnion: 800-916-8800; http://www.transunion.com You’ll be charged a nominal fee of around ten dollars.
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