3 Ways To Get Your Free Annual Credit Report

Get your free annual credit report

Yes, you can now get your credit report without paying a penny. And not like it used to be, it's really free now. You no longer need to register for a "free" credit report by signing up for "Credit Monitoring Protection Services" with a small annual fee of $ 79 per year! The days when disruptive fees and fees for free credit inquiry services are avoided.

According to the Fair and Accurate Credit Transaction Act of 2003, you will receive a free copy of your credit report from three major credit bureaus (Experian, Equifax, and TransUnion) within 12 months.

The aim of this new government's action is to ensure that Americans have the right to be informed of what these three credit bureaus tell you without having to pay. Because identity theft, fraud, and errors are commonplace today, why pay a copy of the report to resolve this problem?

Here are 3 ways to get your free annual report:

Three credit bureaus have created a website to request your annual credit report.

1) Visit www.annualcreditreport.com

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

3) Complete the Federal Trade Commission Form, http://www.ftc.gov/bcp/conline/include/requestformfinal.pdf, and send it to the following address: Box 105281, Atlanta, GA 30348-5281.

If you go directly to three agencies or use other services, you may need to pay or subscribe to the subscription service above! Make sure you use one of the three methods that I have specified to receive your free annual credit report.

You can view reports from all three agencies simultaneously or delete reports from each agency for a year. The benefit of the impressive report you receive is to see how any material changes in your financial picture affect the credit report. For example, if you plan to get a second mortgage or apply for a student loan next year, etc. It would be better if you get a report before and after this important event!

This new law does not replace other methods that you can use to get free credit reports. If you apply for unemployment or the loan is refused or you need a credit report to find a job, you still have the right to report free credit.

Take advantage of new laws and make sure that all information provided by the three credit bureaus is correct. Errors or omissions can reduce your credit and ultimately spend a lot of money if you apply for any type of loan.

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