Free Credit Report

What You Should Know Before You Get A Free Credit Report

Many people are not aware that in law, they are in fact entitled to a free annual credit report from each of the 3 credit report agencies. (You can learn more about what credit reports or credit card reports are, here).

There are some online credit report sites that claim you can get a free copy of your annual credit report. These websites often make promises of being FREE if you to sign up for a trial period. Once you have done so, if you fail to cancel before the trial period ends, you will automatically be converted to their paid service.

There really is no need to be drawn by these websites' many extravagant free credit card report' claims. You can get your credit report without any strings or catches; and the only officially authorised website that can lay claim to being able to do so under the Fair Credit Reporting Act (FCRA) program, is annualcreditreport.com (US) and annualcreditreport.co.uk - details are below.

Getting your credit report or credit card credit history has never been easier. Legislation in both the US and the Uk, give power to the respective consumer protection agencies to enforce the Fair Credit Reporting Act (FCRA). What this means is that this consumer 'watchdog' body is responsible for ensuring consumer reporting companies do not treat their consumers in an unfair manner. You can learn more about your right to challenge or dispute inaccuracies on your credit report.

Under (FCRA) there is now a requirement that the 3 credit reporting agencies - Equifax, Experian and Trans Union, provide you with a website, a toll-free number and a mailing address to enable you to obtain a free copy of your annual credit report upon request.

As a result, these credit report agencies have established a central website from which you can request a copy of your free credit report UK or in the US, every 12 months. There is absolutely no restrictions on who can order copies of their credit reports, nor do you need to have any reason for doing so, to see the nature of any credit card credit or other credit information contained in your report.

All that is involved in obtaining your free 3 in 1 credit report is to visit the credit reference agencies' central website, where you request this by completing some basic details on a simple credit report form. Alternatively, you can make your request via telephone or post. You will not be asked to divulge any of your credit card, credit or other sensitive financial information.

Order A Copy Of My Free Credit Report

You are allowed to order one free copy of your report from each of the nationwide credit reporting companies annually. You may order your free credit reports at once or alternatively, you might prefer to stagger your order one at a time throughout the year.

You must not contact the credit report companies directly yourself. To get a copy of your no fee credit report US, visit:

annualcreditreport.com or call: 1-877-322-8228, alternatively, you can complete the Annual Credit Report Request From and post it to:

Annual Credit Report Request Service
P.O. Box 105281
Atlanta
GA 30348-5281

You can also get a copy of the form here:

http://www.ftc.gov/bcp/conline/pubs/credit/freereports.shtm

To get a copy of your free credit report Uk, visit:

annualcreditreport.co.uk

13 High Cross
Truro, Cornwall
TR1 2AJ

(You may contact them by email via their website: annualcreditreport.co.uk)

The content on this site is purely for information purposes only and is not intended to replace your seeking professional financial advice.

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