How to Get a Free Credit Report
Posted on April 20th, 2009 by Paul
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Reviewing your credit report is essential. By viewing the document, you can strike off erroneous entries and have the errors corrected. You will have a good idea on how to improve your credit standing just by checking your credit history and the unsettled balance. The problem is, credit bureaus intend to charge for you for the free service. Good thing you can secure the document for free, if you do some sleuthing online.
Go to the Official Credit Report Website
To be sure you’re getting your credit report for free, go to annualcreditreport.com, since it is directly connected to the US government. There is no charge for the service. All you need to do is fill the information sheets supplied by the site. You will need your social security number, some personal information, and credit card info. Once you get your report, print it then store it for referential purposes.
Secure the Report by Phone
Aside from supplying your credit report on the internet, annualcreditreport.com also has a phone service, in which you can secure a free report. Just phone in 877-322-8228. When an agent picks up, give all the information asked from you, so he or she can process your report. It will then be mailed either to your home or office, depending on your preference.
Get the Report Via Snail Mail
For people who travel frequently, you can order your free credit report via snail mail. Check the mailing address of annualcreditreport.com in the site. Write your request and include necessary info such as your personal information, social security number, credit card info, and info about your loans. The report will soon be delivered to your preferred address.
Request from All Three Credit Bureaus
You can secure a free credit report from all three bureaus as long as you ignore their ploys to extort cash from you. Place a request without giving in to their report reading services and other similar tactics. Soon, you’ll get your credit reports free of charge.
Beware: Scammers!
Many websites supposedly tied with the three credit bureaus, Experian, Equifax and Transunion, offer credit reports free of charge. Some of the sites require you to sign up with them, which entails a monthly charge or may charge you for the service after. Reportedly, a number of these sites are run by scammers, so beware!
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