A credit report has become an extremely important document for a consumer. Since lenders make lending decisions based on the information present on the credit report on, employers use it to assimilate the responsibility and character of potential employees, landlords use it to verify their future tenants and even certain utility services crosscheck the credit report before activating the service. For this reason the federal law gives the consumer to write to view their own credit report for free from each of the National credit bureaus once every 12 months. You had to make full use of this long to ensure that the information present on your credit report is accurate and that no suspicious activity has occurred under your identity due to identity theft or fraud.
There are three major ways in which you can access your credit report.
Get it Credit Report Free from annualcreditreport.com
Annualcreditreport.com is sites that has been established as a joint venture by the a national credit bureaus. You can access your credit reporting for free from each of the three national credit bureaus that is Experian, TransUnion and Equifax once every 12 months. This is the centralised site that consumer your free credit report according to the fair and accurate credit transactions act and is the only place where you can get a free credit report from the three major credit bureaus without any obligation.
Getting the Credit Report from the Credit Bureaus
You can also order your credit report from each of the three credit bureaus individually. These reports will typically be chargeable. The amount of money that you need to pay to access your credit report depends upon the state that you live in. The view more complete information about the charges that are applicable in the state that you reside in, visit www.crediaid.com/free-credit-report.htm
the credit bureaus typically offer various different packages to sue different consumer needs. You can sign up to the access a single individual credit report, a 3-in-1 package that gives you access to the credit report on from all the three national credit bureaus in one place or a credit monitoring service that allows you to check your credit report on as many times as you like not just for yourself but your entire family.
· Equifax credit report products <http://www.equifax.com/credit-product-list/>
· Experian credit report products <http://www.experian.com/consumer_online_products/index.html>
· TransUnion (True Credit) <http://www.truecredit.com>
Getting Your Credit Report and Your Credit Score from My FICO.com
Fair Isaacs Corporation is the company that is credited with initially developing the first credit scoring model known as the FICO credit score. Not only can you order your FICO credit score from the website of my FICO.com but also purchase credit reports either individually or 3-in-1 report containing reports from all the three national credit bureaus.
Qualifying for More Than Three Free Credit Reports
Even every eligible to receive a free credit report apart from the one that you access from www.annualcreditreport.com. These circumstances include having been denied credit based on the information present or credit report, being unemployed and planning to look for a job in the next 60 days, being on welfare assistance or being a victim of identity theft. Under the circumstances you were entitled to a free credit report as well. Visit http://crediaid.com/info/03/free-credit-report-under-fcra-and-fact-act/ for more information on your free credit reports under the FCRA and the FACT act.
Warning For Ordering Your Credit Reports
At any given point of time be extremely careful where you order your credit report from. There are several phishing and scan websites operating under the gimmick of providing credit reports. Reports are that there are almost 100 imposter websites trying to misrepresent themselves as annualcreditreport.com. These websites will either steal your personal information or trick you into signing up for paid subscription service.
Only was it trusted Web sites to get your credit report. Do not take on offers and links sending e-mails. Always check the address of the website in the address bar and if it is exactly where you went into to go. Always fill in your personal details on secured websites that have their countries beginning with an HTTPS://.