Every US citizen is eligible to avail a free credit report online once a year. Not many people are however, aware of this facility. You can avail this report by online or by calling them up. In either case, you have to provide some personal information like your full name, address, credit card number and other minor details.
You can get a single consolidated report on AnnualCreditReport.com. This is the only official website to get a free credit report online. Don’t enter your personal information on any site that seems suspicious. Stick to the official website in order to get precise information without any information leak. The process is quite simple. You can either login to the website or call their toll free numbers to get your free annual copy of credit report.
You can also approach the three credit bureaus: Equifax, Experian, and Trans Union to get a free copy from each of them. However, a consolidated report from AnnualCreditReport.com would be a better option as it would cover all the details forwarded by each credit bureau.
If you wish to avail a free credit report online. You will have to answer a few simple questions and provide your credit card number. If you opt to call them, you will have to give your identification, social security number, select the company you would like to choose and the report would be mailed to you via post within 5 working days. Another way to get a copy of your credit report is to mail them credit report request form. It would, however, take fifteen days to receive your copy of the report.
If you don’t want to pay for your credit report. Make sure you request it directly from the centralized agency and not from other credit repair companies. You annual credit report would include your payment history, time of payment, late payments and so on.
If you notice any discrepancy, contact the bureau immediately. You can write a letter to the officials at credit reporting agencies and wait for their acceptance and approval.
READ ALSO: How to Obtain A Free Credit Report Online?