3 Top Ways To Get The Free Annual Credit Report

Yes, you can now get your credit report without paying a dime. And unlike before, now is truly free. You no longer have to join a 'free report' Credit by signing 'credit monitoring protection service' for a low annual fee of $ 79 per annum! The days of dodging the annoying charges and service fees for a credit report are over.

As part of 2003 the Fair and Accurate Credit Transactions Act, you are entitled to a free copy of your credit report within a period of 12 months from the three major credit reporting agencies (Experian, Equifax and TransUnion).

The purpose of this act the new government is to ensure that Americans are entitled to be informed about what these three credit reporting agencies say about you without having to pay for it. Since identity theft, fraud and mistakes are very common today, why do you have to pay for a copy of a report to combat these problems?

Here are 3 ways to get your free annual credit report:

The three credit reporting agencies have created a website to request your annual credit report.

1) Go to annualcreditreport.com

2) Call (877) 322-8228 to request your free credit report.

3) Complete a form from the Federal Trade Commission

If you go directly to the three agencies or using any other type of service that may end up having to pay or sign up for subscription services that I mentioned above! Make sure you use one of the 3 methods I've mentioned to get your free annual credit report.

You can get reports from all 3 agencies at once or stagger the reports for each one of them during 1 year. The advantage of staggering the reports you receive is to keep track of how any major changes in your financial situation affects what is in your credit report. For example, if you plan on getting a second mortgage over the next year, or apply for student loans, etc... might be advisable to obtain a report before and after these important events!

This new law does not replace other methods you can take advantage of receiving a free credit report. If you are applying for unemployment or have been denied a loan, or the need for a credit report in order to get a job, you are still entitled to obtain a free credit report.

Enjoy this new government regulation and ensure that all information given by the three credit reporting agencies are correct. Any errors or omissions can lower your credit score and end up costing a lot of money when applied to any type of credit.

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