Free Annual Credit Report: Keeping an Eye Your Information

Today I wanted to take a moment to review the way to get to get a free credit report. There are many sites out there that will solicit you to get your credit report for a fee.

This site https://www.annualcreditreport.com is the one that is sponsored by Equifax,Transunion and Experian to give consumers a free credit report. Please watch the video as I review the options for getting a free credit report from the right source.
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Free Credit Report

The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months.

This video shows how.

You can get your FREE annual credit report from AnnualCreditReport.com

How To See Your Credit Scores For Free

Did you know your credit SCORE is NOT included with your annual credit report? Your free annual credit report does NOT automatically include a credit score. Each reporting agency will each charge a fee to show your credit score. Problem is, your SCORE is what your financial lenders, creditors, banks, etc (mortgage loan providers, credit card issuers, personal loan issuers, etc) all look at to determine what your loan interest rates would be, or whether they will approve your loan or provide you credit in the first place. But here’s a way to see your scores for free. Just sign up for a free trial with one of these credit monitoring services.

Free Credit Score Chart

Offer Name: Our Rating:
Free Credit Scores Received: Bureaus Monitored: Trial Period: Benefits:

 

ALL 3 SCORES:
TransUnion
Equifax
Experian
TransUnion
Equifax
Experian
Free 7-day Trial 3 Bureau Credit Monitoring. All Free 3 Credit Scores.

 

Single Credit Score TransUnion
Equifax
Experian
Free 7-day Trial 3 Bureau Credit Monitoring.

 

Single Credit Score TransUnion
Equifax
Experian
Free 7-day Trial 3 Bureau Credit Monitoring.

 

Single Credit Score TransUnion
Equifax
Experian
Free 7-day Trial 3 Bureau Credit Monitoring.

THIS NOTICE IS REQUIRED BY LAW. Read more at FTC.GOV. You have the right to a free credit report from AnnualCreditReport.com or 8773228228, the ONLY authorized source under federal law. free credit report gov

How These Free Trial Services Are Rated:

Factor #1. Number of Free Credit Scores Received – If you want the most comprehensive view of your credit status, then by all means select the trial offer that let’s you see all 3 credit scores. Experian, TransUnion, and Equifax. Also, you’ll find that your scores from one credit bureau is different from the others. Therefore any service or offer which helps you to see all 3 scores will rank high.

Factor #2. Number of Credit Bureau Files Monitored – This is also an important factor in seeing which service is good. You want the best and most comprehensive credit monitoring and identity theft protection service for maximum protection.

Factor #3. Customer Feedback & ETC – The top picks listed above all have great customer feedback. (Otherwise they wouldn’t pass the grade.). These services all include a handy toll-free hotline where you can receive immediate assistance and helpful advice. They even include assistance if you ever become a victim of credit fraud, etc.

Further Reading:
Benefits of A Credit Monitoring Service. Monitoring your free credit reports from all 3 bureaus is one thing, but in this day and age where identity theft runs rampant, a credit monitoring service also provides ID theft insurance to minimize your losses if you ever become a victim of credit fraud. Learn why that’s really important.

Exactly how To Order Your Annual Credit history Record

Federal law – the Fair and Accurate Credit report Deals Act of 2003 – offers you the right to a totally free credit scores report annually from each of the three credit bureaus – Equifax, Experian, and also TransUnion.

There are a great deal of impostor web sites on the net promising to provide your complimentary annual credit rating record. These sites usually request your credit report card details and register you in a trial membership to a credit score tracking solution. If you do not terminate the trial, your charge card will end up getting charged for a complete period of the credit scores monitoring service.

The true web site for buying your free annual credit score does not require a credit history card and does not ask you to register for any kind of test membership. You can buy your annual credit scores record as well as get it the very same day.

3 Ways to Order Your Annual Credit history Report

1) To purchase your yearly credit rating record online, check out annualcreditreport.com. If you are suspicious about a web link to the legit yearly debt record internet site, you could kind the address directly right into your web browser making certain not to misspell the address.

2) You can also purchase your yearly credit history report over the phone by calling 1-877-322-8228. If you pick this option, there will be a verification procedure to guarantee you (and not somebody else) are actually purchasing your credit rating record. If you are deaf or hard of hearing, you can call 1-800-821-7232 to purchase your yearly credit record.

3) Lastly, you could order your annual credit scores record by means of mail. To do this, you ought to first download and print a yearly credit record request form. The type requires an Adobe customer. Once you have completed the type, you can mail it to:

Annual Credit history Report Demand Solution P.O. Box 105281 Atlanta, GA 30348-5281

When you order by phone or mail, you will get your annual credit history record using mail within 2 to 3 weeks.

You should purchase your annual credit scores report using among the techniques noted above. You can not obtain your government-granted yearly credit history report directly from the credit score bureaus. Note that all the credit bureaus have a totally free credit scores record deal, however these offers require a bank card and also you might not be able to order an additional complimentary credit history report next year.

You can purchase all 3 annual credit history reports at one time or you can area them out over the year. As an example, you may order your Equifax annual debt record in April, Experian in August, TransUnion in December, and start over with Equifax the next April. This permits you to check your credit rating reports throughout the entire year.

If you discover inaccurate or suspicious things on your credit history you need to file a credit rating report disagreement promptly. The bureaus will explore the item and also validate it and also if they can not validate the bad credit thing then the bureau should repair your credit history report. You can do this on your own or you might desire to take into consideration a credit report repair agency to do it on your part.

For more about your credit rating report as well as how to interpret the information see us additionally you can discover ways to challenge credit history record online and also fix my credit score.

How To Get Your Free Annual Credit Report

Unfortunately along with the holiday season usually comes an increase in credit card fraud and identity theft, so right after the holidays is a great time to check your credit report. The following article will show you why, when and how to check your credit report…

Why you should check your credit report

* to check for errors
* to check for fraud and identity theft
* to get the best interest rates
* more and more people are relying on credit scores – car insurance, employers, etc.

When to check your credit report:

* Once a year if you have good credit and don’t anticipate any large purchases in the near future
* Before a major purchase, such as a new home, new car, etc. – should request your credit report 6 months ahead of a big purchase so you have time to correct any errors
* If you’ve been denied a credit card, loan or other product or service because of your credit (you are entitled to a free credit report if you have been denied credit based on information found in your report)
* If you suspect that your identity has been stolen
* If you are starting a plan to get out of debt or repair your credit.

How to check your credit:

There are three credit reporting agencies (Equifax, Experian and TransUnion), and they are required to provide you with one free credit report each year. The three agencies do not always share the same information, so it’s important to check all three.

You can order all three credit reports at one time, but it may be a better idea to check one company one month, wait a few months, then check another company, then the third company a few months later. This way you are getting three free credit reports a year, and you are checking several times a year, so you are more likely to catch errors and/or fraud.

Go to www.annualcreditreport.com to request your free credit report online. This is the only authorized source for consumers to check their credit report online for free. There are commercials and websites for other companies who claim to offer your credit report online for free, but they are generally selling a service or they are a scam.

In addition, you can call 1-877-322-8228, or you can write for your free credit report at: Annual Credit Report Request Service, PO Box 105281, Atlanta, GA 30348-5281.

Finally, you can purchase a 3-in-1 report, which is basically getting all three reports from each of the credit bureaus. This is a good idea if you have never requested your credit report before, or if you suspect fraud. You can purchase your 3-in-1 credit report at www.myfico.com.

Regardless of what time of year it is, it’s important to check your credit report periodically to make sure there are no errors and that you have not become a victim of identity theft or fraud.

But it’s even more important to check your credit report right after the holidays to make sure that you didn’t become a victim of fraud during the busiest shopping days of the year. Yout freeannualcreditreport (freescorereportgov.com) is free but not your score.

Kristine A. McKinley, CPA, Certified Financial Planner, teaches individuals and families how to invest and plan for retirement, college, and other financial goals. For more tips on boosting your credit score, getting out of debt, and more, please visit http://www.financialtipsforwahms.com