How to Get Your Free Credit Reports
The FCRA, or Fair Credit Reporting Act, requires that every one of the national consumer reporting companies, and this means all three of them, Equifax, TransUnion, and Experian, must give you a copy of your free credit reports that they are offering to companies who inquire about your credit. They must offer you this annually, or every twelve months.
The credit report offers information about how you are paying your bills, where you are actually living, how much behind you may be on any given bill, as well as whether you have ever been sued, have been arrested, or have filed for bankruptcy in any state. The national reporting agencies sell this information to insurers, to employers or prospective employers and also to any business that may be considering renting you a house, or offering you car or home insurance, as well as offering you employment.
You can order your free credit reports on the telephone or you may access it online. If you like you may also mail in for a free credit report.In many cases, those who do not have access to a computer full time believe they can not access their free credit reports. In order to do so through the mail, all that’s necessary is that you request it in writing by mailing an information request.
If you want to order your free annual credit report on the telephone, you may do so by calling
1-877-322-8228, or by mail at Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
It is not necessary, not will you obtain free credit reports by contacting any one of the credit reporting agencies on their own or from their individual sites. They do not supply credit reports in this way. They do offer free credit reports from their joint website.
Take care which sites that you use to access your credit report. In many cases, the free annual credit reporting sites are trying to hook you into a credit monitoring service. There is only one site that is government mandated to offer you your free annual credit report. In fact, many sites have been problematic in drawing in customers to their credit monitoring services and making it very difficult to cancel the service.
Pay attention to which site that you are visiting and don’t sign up for a credit monitoring service unless that is really what you are there to obtain.