Get a Copy of Your Credit Report Free and Easy
Everyone is entitled to a free credit report annually from each of big credit bureaus. It is recommended that you check each report thoroughly as there is often differe
The three major credit bureaus are: Equifax, Trans Union and Experian. Each agency is required to provide you the consumer with a free copy of your credit report on an annual basis.
It is important to review your reports carefully. If you find any outdated or inaccurate information be sure to contact the CRA and inform them of the error. Errors on your credit report can be a serious matter as they may affect your credit score, making it difficult to qualify for loans etc.
Keep in mind that you must request your free copy of your credit report. There are three ways you may go about this: * Go online to Annual Credit Report .com. This is a government regulated and authorized portal to access credit reports over the internet. * You can Call 1 877 322 8228. * Or if you have the Annual Credit Report Request brochure, simply fill in the back and send via the mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. Note: the brochure may be ordered or printed, is available from the Federal Trade Commission.
Each report will have your personal information, such as: Your address, employer, date of birth etc. It will also contain a detailed summery of all your accounts and credit products including: payment history and outstanding balances and any collections or late payments.
There is common misconception that when you receive your report you will also get your credit score or FICO rating. This is not the case. Your FICO score is based on the information on each report but is not attached.
You may order your credit report every year from each of the major CRAs. You may want to order them all at once to compare the information and ensure accuracy or order them throughout the year to be in the loop. Either way go through a centralized agency otherwise you may be charged.
If you have questions regarding credit reports visit the credit consumer report site for more information.
Jacob Damier has been assisting people with finances for over 10 years and is a contributing consultant for CreditConsumerReport .com and works closely with Veridian credit Union and Evergreen Credit. For more information and resources regarding credit feel free to visit our site.
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