14 Mar

Get a Free Copy of Your Credit Report!

That’s right, FREE! No more paying, what was it, $15 for your report from just one agency? Nowadays, there are a couple of ways in which you can check your credit report for free.

Most consumer reporting companies provide a free copy of your credit report at your request. Your credit report will include the following:

  • where you live
  • how you pay your bills
  • if you’ve been sued
  • if you’ve been arrested
  • if you’ve filed for bankruptcy

Consumer reporting companies make use of this information and sell it to help establish your credit, insurance, employment and other applications. The type of company’s that buy this kind of information include:

  • creditors
  • insurers
  • employers
  • other business 

There are three major credit bureaus in the US – Equifax, Experian and TransUnion, however, do not contact them individually for your free annual credit report. They are providing free annual credit reports only by:

  1. Filling out th Credit Report Request Form at AnnualCreditReport.com which gives you instant access to it online 
     
  2. Calling the following toll free number 1-877-322-8228
     
  3. Sending the Credit Report Request Form to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

You will need to provide your name, address, social security number and date of birth. Be prepared for any other information that they may ask from you like how much your monthly mortgage payment is and who you pay it to. 

But why would you want to get a copy of your credit report? Your credit report will contain all vital information about your credit payment history, such as: 

  • your personal information
  • credit accounts and loans you have with banks
  • credit card companies
  • retailers
  • if you have any bankruptcy
  • tax liens or monetary judgments on record

You can choose between getting a copy of your credit report from all agencies at one time or one at a time different times throughout the year. You can also get your credit score, however you will be charged a small fee by each agency you request it from.

Lastly, make sure that you are ordering your credit check from a legitimate source to avoid fraudulent and deceptive promotions.

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