As a consumer in the U.S, the Federal Government decided back in 2003 that you are allowed to get a free anual credit report, so you can oversee your credit and your credit rating. The FACT bill was past quickly, so that each American could obtain a free annual credit report and be permitted to see for themselves what the credit report bureaus were compiling
on them.
This is revolutionary in that individuals are now permitted to review precisely what lenders see, and can fix any errors that are on the report, and keep track of their credit to correct any mistakes that might hurt their merit as a credit risk. Before the FACT Act was passed, the only citizens allowed to access this information was the financiers and the credit report bureaus.
There are a couple methods you can go about obtaining a duplicate of your credit report. First, you can go directly to any of the sites of the credit bureaus. These agencies are Experian, Equifax, and TransUnion. Their web addresses are www.experian.com, www.equifax.com, and www.transunion.com.
You will have to answer a few private questions and give verification of your identity based on some of the data on the credit record. Then the information will display directly on your computer screen, so you can carefully review it, save it to your PC hard drive, and/or print it out.
The second way you have to obtain credit report online is to go to either www.freecreditreport.com or www.annualcreditreport.com. They will ultimately be sending you to the credit reporting agency of your choice, but they will be able to quickly walk you through the entire procedure of requesting your free annual credit report.
It is vital that you take full advantage of getting your free annual credit report each year and analyze it closely for correctness. Mistakes can be made, and they can sway the decisions of lenders when you apply for a line of credit or a loan. Just one blemish can make the difference between a yes and a no from the bank.
You will also want to check your free annual credit report for any information that does not apply to you. It can tip off you to identity theft if you notice that there is stuff on there that isn't yours, such as a credit card you never signed up for or a loan that you never sought out.
The free annual credit report is a great tool for consumers to retain when it comes to their credit. Not availing oneself of it is a huge mistake, so go ahead and get your anual free credit report now if you haven't already. It's the finest thing you can do for yourself.
For more free tips on how to get your free anual credit report and techniques for correcting errors you find quickly visit www.WayToFixCredit.com.
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