If you are interested in learning how to get your free annual credit report, you are in the right place. According to the Federal Law of the United States of America, each individual that resides in the country may receive a free copy of their individual credit report from each of the three bureaus that track and monitor credit in the country. It is important to understand that the agencies are not required to provide you with a numeric score associated with your report, only the report itself.
Being able to receive your free credit report is made possible by an official act from the government. This act is referred to as the "Fair Credit Reporting Act". You are able to receive this report from the agency referred to as "Experian", as well as "Equifax". The agency that is called "TransUnion" also provides a free annual credit report. You may request your report only once from each of these agencies within a time span of twelve months.
When requesting your credit report for the year, there are many ways to do so. You may order it on the World Wide Web, or by mail. You may also use the phone to order your report. If you want to do this, you must call 877-322-8228. When ordering, you may request only one report from one of the previously mentioned agencies, or you may order from all three agencies at the same time. It is advised that you order from all the reporting agencies at once.
It is essential that you review all of the information contained in your annual credit report to ensure that the information is accurate. Millions of individuals are subjected to identity theft on an annual basis. By reviewing your reports, you will be able to determine if you have been subjected to this crime. You should look for accounts that you did not become associated with, and any other unusual transactions that are not familiar to you.
If you discover any unusual transactions on your free annual credit report, it is important to immediately begin the dispute process so that an investigation may be initiated into the issue at hand. You will need to send a letter to the reporting agency that officially documents the information that you are disputing. You should also include any information that validates the fact that the information that is showing is considered to be inaccurate.
It is very important to sign up for your free annual credit report from each of the agencies that report credit each year. Not only will it help alert you to fraudulent activity that involves your identity, it will also allow you to keep track of the delinquent accounts that you have that may affect your ability to acquire credit on future purchases. By keeping track of your reports, you may engage in practices that assist in correcting negative items on your annual credit report. You can easily enjoy the luxury of knowing that your identity is private and not being subjected to criminal activity.
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