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The FCRA, (The Fair Credit Reporting Act), has a mandate that allows every
single American citizen the right to see their credit report for free at
least once every year. If you have been looking for your anual credit report
online, you have no doubt come across many companies offering you your credit
report either for a fee, or for your credit card details. These companies
have problems now, as you can go straight to the actual credit report
companies and get your report for free annually.
Where to get the report from
The three major financial institutions that allow you to see your credit
report for free are Experian, Equifax and also Trans Union. You can go online
and request your free credit report and view it while connected to the
internet. You can ask for a credit check from each of the three companies
once. So in actual fact, you get three free credit reports every single year.
Real versus scam
It can be difficult to tell the difference between the real site and scam
sites as some scam sites adopt the look and the text of the official ones.
Any companies that ask you for your credit card details or ask you to pay for
the search are not official. Avoid these at all costs and only go to the
official websites of the credit companies mentioned.
Getting the report via phone
Of course you don’t have to get your free credit report by going online. You
can order your free anual credit check through a toll free number that is
much like going online. You will speak to an operator, confirm your details
and your identity and they will send your credit report through the post to
your registered address. The number to ring to order your free credit report
is as follows: 1-877-322-8228.
Getting the report through the post
This another method of getting your free credit report. You will need a form
that allows you to request your credit check and you may have to send proof
of identification along with the completed form. The form should be sent to
the following address: Annual Credit report request service, P.O Box 105281,
Atlanta, GA 30348-528. Following these methods will enable you to get your
credit report free of charge and very easily and quickly.
What to do after receiving the report
After you have received the reports from your chosen simple method, you need
to know how to read the reports correctly. You should receive a leaflet with
your credit report explaining how to read your anual credit report and how to
get the best of the information there. Follow all the instructions carefully
and you can start living a debt free life through the help of the credit
reports.
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