Thanks to the Fair Credit Reporting Act (FCRA), everyone can now get access to a free yearly credit report. The FCRA requires the three consumer credit bureaus — Equifax, Experian, and TransUnion — to give each consumer with a free credit report every 12 months.
A few years back, consumers had to pay to get their reports. Now, they are entitled to a free instant credit report. Whether you live in Los Angeles or New York, you can still get a free annual credit report from the government so that you can stay informed of all your credit information, fight identity theft, and get fair treatment.
“Where do I get a free credit report?” The answer can be found all over the place and chances are you have seen the answer in the form of TV commercials and advertisements on the Internet. Read on to discover the right place to get your really free annual credit report.
3 Ways to Order Your Free Yearly Credit Report
There are many ways to get your free copy of credit report. You can get your free credit report at www.AnnualCreditReport.com or by phone or through the mail.
The Internet is another perfect place to get access to your free instant credit report. You can visit the website, built by the three major credit reporting agencies, to get access to your government free credit report. Just fill in some information and you will receive your report within 15 days or your credit bureau will let you know if it will take longer than 15 days.
You can also order your free credit record by calling tool-free 1-877-322-8228. If you have already checked your report in the last 6 months through the phone, then the company may be willing to process and mail it to you within 15 days. Keep in mind that the delivery date may be longer than 15 days if the companies need proof of identification before sending you your report.
To get your report through the mail, send your request through Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281 using the Annual Credit Report Request Form, which you can find here. If you have provided them with the correct documentation they will process and mail it to you within 15 days of receipt.
Avoid Free Yearly Credit Report Hidden Charges
There are other places where you can get your free credit bureau report. In fact, there are online companies that answer the question “where do I get a free credit report?” These agencies will let you view your credit report whenever you want. You are usually offered a 30-day free trial and you have to pay a monthly fee once the trial period ends.
These companies offer all the things that you would expect, like protection against theft and fraud. But why would you want to pay for that when all you want is your credit report? If you don’t need constant notification about your credit report chances are you don’t need any added services as an addition to your free copy of credit report.
For credit report monitoring purpose you can order your free yearly credit report from different credit bureaus at different time. By staggering your requests during a year you can watch your report and clear any errors found before they affect your credit score. In many cases you won’t need a credit monitoring service. You will only need to pay for your credit score when you apply for a loan.