Easy Ways to Get Free Credit Report Annually

Under the Fair Credit Reporting Act (FCRA), US consumers are entitled to get free credit report every year. This is the government's way to make sure that every consumer gets fair treatment they usually get updated, informed and prevent identity theft. A credit report contains consumer history regarding his mortgages, car loans, credit cards and others. This information is utilized by lending companies when deciding whether to approve additional credit to consumers or not and at what rate. Credit reports are important because they hold the information wherein your credit score would be taken.

In the past, credit reports were not made available for free to the consumers. Individuals had to meet certain requirements of pay just for them to get credit reports every year. There used to be a few states that provided credit reports to consumers for free but now it's already available nationwide. Credit reports may be obtained for free at www.annualcreditreport.com or you may give them a call at 877-322-8228.

Another way for you to get credit reports is by calling major credit agencies directly. But you must know that this will cost you money or you may be required to subscribe to their services. Why spend when you may get what you need for free at the given website and telephone number. When you want to get free credit report, you would have to prepare some important personal information such as your name, your physical address, date of birth plus your Social Security number. There can be instances where you would be asked to give out your old addresses for the previous couple of years aside than your current address. For security purposes, you would be requested to supply information with details that only you can provide.

Because credit reports are given to every consumer in the United States, the distribution of these credit reports are set on schedule. The release of these credit reports to every region are set on a specific date but before the last quarter of year ends, all regions are already provided with the said reports. If you wish to see your credit report before it is released, you can view it online to see it instantly. You can also call the organization directly but it may take 15 days prior to get the report through your mail. Credit reports only provide reports regarding your payments and other loan information. It doesn't provide free credit score or other services. Do away with sites that offers products and services.