Reasons why you should prefer to get your credit report online

Can you get your free credit report online? The answer is yes. Ordering a credit report online is safer than ordering it through mail. When you order your free credit report online you can access it immediately after providing some identifying information such as your Social Security number etc. You may also be asked other questions to which only you are supposed to know the answers such as details of certain accounts. Identity theft and credit fraud are all looming problems. In order to fight this threat you should view your online credit report. Online credit reports are safer to excess because it removes the human element. There is no risk of your online credit report getting misplaced you ring the time of being sent by postal mail. It is also a much quicker process where you can excess your online credit report immediately whereas sending it through mail might take up to 3 weeks.

However, whenever the credit bureaus send a credit report through mail to make sure that important information such as social security number is truncated so that it cannot be used even if the credit report gets lost in transportation. The best place to start if you want to access your online credit report is available to be taught annual credit This website is jointly maintained by the three national bureaus Experian, Equifax and TransUnion. You can order your online credit report from each of the three national bureaus at the same time or you can stagger your request over the next few months ordering one online credit report from each credit bureau one at a time. When you visit, you can sign up for an account and will need to provide identifying information such as your Social Security number. No credit card number or bank information will be asked for.

Your free online credit report gives you access to a lot of information and insight about your credit rating and credit file. It will help you to ensure that all the information listed is accurate, updated and complete. Whenever you access your free online credit report you will also be able to file a dispute for any information that you feel is inaccurate. You may have the dispute instantly online submit your dispute in writing and include any copies of supporting documents that prove your claim. However, items that are older than one year will be a problem to remove. This is why it is recommended that you check your online credit report each year and frequently. In other to speak to a customer care representative at the credit bureau you will need to have a recent copy of your online credit report as that are the documents that the customer care representative will be looking at. Looking at the same file will ensure that the both of you are looking at the same information at the same time.

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