Free Credit Report
Can something free be worth millions? Yes, a document that contains vital information that has an effect on major portion of your financial career is worth millions and you can get it without paying any cost. And the document is none other than your credit report. Credit report gives information of your credit history in detail based on which the lenders determine your credit worthiness. It gives all your information including the past and present addresses, employment history along with the summed up information on your credit history. And you are entitled to get your free credit report from each of the three major credit bureaus, Equifax, TransUnion, and Experian once in every twelve months.
How to get free credit report?
You can apply for your free credit report from each of the three major credit bureaus once in twelve months. These consumer reporting companies have provided a common website, a toll-free phone number and an address where apply for your free credit report. The website where you can apply is annualcreditreport.com. you can also call 1-877-22-8228 or mail your application to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. You have the liberty to apply for the free credit report from one company at a time or from all the companies at the same time in every twelve months. In your application you need to provide correct personal and contact details including your name, address, ate of birth and social security number. In case you have changed your place in last two years, you need to those details too. You may also be asked to provide some information that only you would know. This is usually done in order to maintain security of your file. The time taken by when you can access your fee credit report depends on the mode of application made by you. If online request is done, you cfan access your free credit report immediately after the verification is complete. In case you have ordered through toll-free number, the request will be processed and the free credit report will be mailed in a time span of fifteen days and if the order has been placed by mail, your free credit report will be mailed in fifteen days of receipt.
What are the precautions taken while applying for the free credit report?
The application for free credit report is a very simple process and involves only producing some information. You just need to ensure that the information provided by you is without any error. It is responsibility of both the parties (the companies and you) to correct that inaccurate or incomplete information. The consumer reporting companies checks information provided by you in a fixed period of time. The companies also forward the information about inaccuracy provided by you. This information is investigated and report is sent back to you. The notification to the three bureaus is done in order to correct that particular information in your application. The free credit report is accessible to everyone and the process to get it is also very easy. So what are you waiting for? Go and grab your copy now.