4 Ways To Get Your Free Credit Report

My family and friends have asked me many times on how I get my credit report for free. Well, I would like to address that today and if you have the same question and don't know how to get it well here are some ways to go about obtaining your free credit report.

Under the Fair Credit Reporting Act (FCRA), it requires all three major reporting agencies-Equifax, Experian, TransUnion, to provide you with a free copy of your credit report, at your request, once every 12 months. With that, the agencies have set up a central website that will enable you to get your free report from all 3 of them. It's AnnualCreditReport.com

Downside to this is that you get it free once a year, after that any additional reports, you would have to pay. But it's always important to keep an eye on your report every so often for accuracy and completeness and so getting your report a few times a year may be an option. After all, with credit purchases, identity thefts, fraud, late payments, etc. you want to make sure you stay clear of these situations.

If mistakes happen by any means and you screw up your credit report, you need to know these things and fix them right away, because if not, it could lead to much hardship and financial stress. And BELIEVE me when I say it does. If you are in a rut, go to Restore my Credit Report and Free Legal Matches. Here is where I found help with my situation and had free consultation with an attorney.

Another way of getting your credit report is to just phone the 3 major reporting agencies and order it. Again you are only allowed one free copy a year. Here are the numbers you need.

*Equifax: 800-685-1111; Fraud Dept. 800-525-6285
*Experian: 888-397-3742 (Same for Fraud Dept.)
*TransUnion: 800-916-8800; Fraud Dept. 800-680-7289

If you are denied credit or anything due to something on your credit report, you will be sent a notice of which credit bureau supplied the report, then you will have 60 days to request a free copy of your credit report from them. This is another way to keep tabs on your report.

Lastly and this is something I often use is the use of free trials from different companies online. It's a bit sneaky but hey, they offered it in hopes you will order something. The key to this is finding a trusted company and always remember to cancel before the trial date. Simple! Be aware of imitators. You don't want to be giving important information to wrong people. Now go get your free credit report instantly.

So there you have it. Your credit is an important thing and taking action now with the right people will increase your chances of having a better credit history in the future.