Free Annual Credit Report Online
Did you know that you can receive a free annual credit report online from the three major credit reporting agencies-Equifax, Experian, and TransUnion.
Why get a Free Annual Credit Report?
Your credit report provides information that lenders consider when approving you for loans or mortgages.
-Some employers obtain this information when considering hiring you for employment at their company.
-With the highest incidence of Identity thief it is wise to obtain a copy of your credit report to review and confirm that the information on the credit report is fair and accurate to your knowledge.
In December 2003 the United States Government put into effect a law called “The Fair and Accurate Credit Transactions Act” (Fact Act) that all consumers are eligible to receive a Free Annual credit report online or in writing upon request. Your credit report can be requested every 12 calender months.
Here is a list of information required for your free annual credit report online:
1.Your Name
2.Address
3. Social Security number
4. Previous Address for the past 2 years
You can apply for your free credit report online or call the three credit reporting agencies
* Equifax:1-800-685-1111; equifax.com
* Experian: 1-888-397-3742; experian.com
* TransUnion: 1-800-916-8800; transunion.com
Your credit report will contain information about where you live, loans, late payments on credit cards, bankruptcies, it will also include information about whether you have been sued or arrested. Understanding the information that is reported on your credit report is vital. If you find any discrepancies you may want to dispute them with the credit reporting agency because it is your right as a consumer to do so.
To obtain an annual credit report you can visit annualcreditreport.com or call 877-322-8228.
