Free Copy Of My Credit Report
"May I see a free copy of my credit report?" Have you ever asked this? Or
have you ever wondered if you could ask this? You can! The law in the USA says that you are entitled to see a copy
of your credit report at no cost. However, there is a condition; you can only have one free credit report in any
single 12 month period.
It was not always the case that you could say, "I want a free copy of my credit report" and actually receive one.
Some states allowed residents to get a free report only every so often, but now it applies to the entire nation and
everyone is entitled to one once a year with no exceptions.
How easy is it for you to get a free credit report? It's very easy, actually. The agencies responsible for credit
reporting on a nationwide basis have now come together and are working in tandem. They have a website at:
www.annualcreditreport.com which you can use to get your copy of your free credit report.
This website is only accessible to those using an Internet service provider located within the United States of
America and its territories. This is a security precaution, and besides, those in other countries should never need
to access the website.
If you need to speak to an actual person, they have that catered for too. Just call them on 877-322-8228 and tell
them, "I want a free copy of my credit report" and they will set it up for you.
You will of course need to provide them with some details. This is likely to include:
- Your full name
- Your current postal address
- Your previous postal address, if any
- Your date of birth
- Your driving license number.
There may be other details required. This could vary from person to person, so have everything ready that you think
might be useful. Take the time to go through everything you have that is connected with your credit, even if it
seems only slightly so.
There are three main credit agencies, known as credit referencing agencies that gather and record all your credit
details. They are: Trans-Union, Equifax and Experian. Each one individually will supply you with a credit report on
request, but you may have to pay them for it. Your credit report should not cost more than $10. You will get
essentially the same information from the website mentioned above completely free.
If you want to write to each of the three main credit referencing agencies, you can at these addresses:
Trans Union (Annual Credit report Request Service), P.O Box 105281, Atlanta, Georgia 30348; Equifax (Equifax Credit
Information Services), P.O. Box 740241, Atlanta, Georgia 30374; Experian, P.O. Box 2002, Allen, Texas 75013.
In this way you won't have to break off from a telephone conversation, or filling in a web form to rummage around
seeking an illusive document you didn't expect to be needed. Be as prepared as you possibly can be.
Securing a free credit report is not really very difficult. You
simply need to be organized and know what to do. So, next time a friend asks you, "How can I get a free
copy of my credit report?" you will know what to tell them.
Credit in Minutes Tip #1
Stay on top of your credit report. Most credit reports contain errors. Make sure you check your credit report
every year (you get one free credit report every twelve months) and if there are errors make sure to challenge them
with the reporting credit agency. Credit agencies are required to investigate each and every challenge that gets
Credit in Minutes Tip
Just because you qualify for all of those credit cards does not mean you should get them. A person with too many
credit cards looks sketchy in the eyes of a potential creditor. Think of it this way: if a person is financially
stable does he or she need ten different credit cards? Wouldn’t just one or two suffice?
Credit in Minutes Tip
The best way to raise your credit score is to make all of your payments on time. It sounds too simple to be
true, but that’s all there really is to it. Staying out of debt and/or making all of your debt payments on time
will keep your score up where it should be.