3 Totally Free Ways to Get Your Credit Report

Now you can get your credit report without paying a penny. And unlike before, now is truly free. We no longer have to register to obtain a " " free credit report for signing " credit monitoring protection service " for a low annual fee of $ 79 per year! The days of annoying dodge the charges and service fees for a free credit report are over.
Under the 2003 Fair and Accurate Credit Transactions Act, you have the right to a free copy of your credit report within a period of 12 months from the three major credit report offices (Experian, Equifax and TransUnion). The aim of this new government is acting to ensure that Americans have the right to be informed about what these three offices of credit reports say about you without having to pay for it. Since identity theft, fraud and errors are fairly common nowadays, why you have to pay for a copy of a report to combat these problems?
Here are 3 ways to get your annual free credit report:
1) The three credit reporting agencies have created a website to request your credit report annually. Go to www.annualcreditreport.com to an end report.
2) Call (877) 322-8228 to request your free credit report.
3) completing a form of the Federal Trade Commission, http://www.ftc.gov/ bcp / Conlin / include / requestformfinal.pdf and mail it to: Annual Credit Report Request Service, PO Box 105281, Atlanta, GA 30348-5281.
If going directly to the three agencies or use any other type of service that can stop having to pay or sign up for subscription services which I mentioned above! Be sure to use one of the 3 methods that I have indicated to obtain their credit report.
You can obtain free annual reports from 3 agencies at once or stagger the reports from each over the course of 1 year. The advantage of staggering the reports you receive is to keep track of how any major change in their financial situation affects what is on your credit report. For example, if you plan to get a second mortgage in the coming years, or the request for student loans, etc.. it might be wise to get a report before and after these big events!
This new law does not replace the other methods that you can take advantage of receiving a free credit report. If you are applying for unemployment or are denied a loan or need a credit report in order to get a job, you still have the right to obtain credit without report.
Take advantage of this new government regulation and make sure that all information listed by the three credit reporting agencies are correct. Any error or omission can reduce your credit score and end up costing you a lot of money when you apply for any credit. business accounting software



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