How to Get Your Free Credit Report
April 12th, 2010
Getting a hold of your credit report is free and easy . There are three main credit bureaus that will issue different credit reports. Since the bureaus rarely communicate with each other there is often different information on each report.
The three major credit bureaus are: Equifax, Trans Union and Experian. Each agency is required to provide you the consumer with a free copy of your credit report on an annual basis.
Once you receive your credit reports make sure you read them carefully and look for any old or incorrect data. If you find anything you should get a hold of the credit bureau in question to sort out the error.
There are 3 ways to get your hands a hold of your free report. One: fill out the back side of the brochure by the Federal Trade Commission and send by mail to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. Two: Make a call to (877) 322-8228. Three: Go online to Annual Credit Report . com and request them.
Each report will have your personal information, such as: Your address, employer, date of birth etc. It will also contain a detailed summery of all your accounts and credit products including: payment history and outstanding balances and any collections or late payments.
Note: Your credit is based on your credit report but is not listed on the report itself. Your FICO rating is designed for credit lenders and is simple way to summarize all the information contained in the report into a numerical representation of your payment history.
You will want to access your free credit reports via a centralized agency. Its up to your whether or not you order all three credit reports all at once or you may order them over the course of the year.
More information is available through the credit consumer report website.
Jacob Damier has been helping individuals with finances for over 10 years and is a contributing author for the CCRand consults for Veridian credit Union and Evergreen Credit. For more information and resources regarding credit feel free to visit our site.
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