How Do I Get A Free Credit Report - 5 Simple Steps
Obtaining a free credit report is actually a legal gift for all people. Since the law now allows individuals to obtain one free report per agency per year, anyone who wants to keep a close eye on their credit report can obtain a free report as often as every four months. Although this plan is being moved out slowly in order to avoid overloading the system, generally everyone can now obtain a free credit report by just asking.
This law, passed in late 2003, called the Fair & Accurate Credit Transactions Act, creates a central source consumers can use to obtain a free annual credit report. You can obtain a free credit report from companies such as Equifax, Experian, and Trans Union. Knowing your current credit report is important, but one has to be equally cautious while getting this information. If you're thinking about getting a loan or credit card, it's a good idea to check your credit report.
Amazingly, the Federal Trade Commission (FTC) also offers tips and guidelines on getting free credit reports. If there is an inaccuracy in your report, they also offer tips to help you get it fixed so it won't spoil your chance of getting a loan. If you are getting ready to apply for a home loan, you should know what is on your credit report before your lender ever sees it. Individuals with several negative remarks, or credit report errors, have a lower chance of getting approved.
Remember that you need to review this report carefully. Carefully reviewing your basic information such as your name, address, previous addresses and social security number can ensure easy flowing if you are in the process of getting a home loan or refinancing.
The bottom line is that your credit score is important for obtaining credit, loans, or even a car. By understanding where your credit report is, and being able to fix it, you will make your life easier in the long run. So if you are one of those people that is asking how do I get a free credit report, understand that it is not only very easy to do, but it is your legal right to obtain one for free.
Related Tags: credit report, free credit report, free credit report online, online credit report
For more information on the free ringtones try visiting http://www.ring-tone-directory.com where you will find valuable tips, advice and resources on ringtones, including information on Sprint ringtones.
Your Article Search Directory : Find in ArticlesRecent articles in this category:
- What's In Your Credit Report?
IdentificationYour name, address, social security number, birthdate and previous and current employm - Pros And Cons Of Low Purchase Rate Credit Cards
Low interest credit cards are outstanding until the time period runs out. Most of these offers promo - Bad Credit Loan Scams
There are several bad credit loan scams out there. These are usually aimed at those that don't have - Successful Credit Repair Methods
If you bad credit, you are not alone. Fact of the matter is there are tens of thousands in the count - Auto Loans Bad Credit: Bad Credit Is Not An Obstacle Now
Now a days, people want their own Cars. Though there are Public Transport Systems, they do not watch - Credit Card Services For Your Business
Co Branded Credit cards can be very beneficial for you if you have a business. These cards are onlin - Will The Actual Natural Motion Endure Large Food? -- Horizon Milk
The natural food business may be going through major work day in energy in the past 10 years. Becaus - Prices Of Dlp Lamp Alternative Parts - Dlp Bulbs
Since you will have to purchase a DLP> lamp each and every few years, it might be useful to know the - Dlp Bulbs -- Facts About Dlp Lamp Replacement
With regards to technical breakthroughs there aren't many things that are more popular than tvs and - Ways Which Anybody May Restore Their Very Own Credit Rating Easily - Credit Repair For Dummies
If you listen to a lot of the actual ads which are available regarding credit>, more than likely you
Most viewed articles in this category:
- Credit - Repair
To make the life more comfortable people purchase lots of things from clothing to cars and homes tha - Helpful Tips For Using Low Interest Rate Credit Cards
People with good credit ratings often receive offers for low interest rate credit cards. A credit ca - Benefits to Businesses Accepting Credit Cards
Many business owners report a sharp increase in profit when they begin accepting credit cards as a m - How To Remove A Bankruptcy From Your Credit Report
Credit report repair can be a long, tedious process and one of the hardest items to get removed is a - Putting Low Interest Rate Credit Cards To Work
If you have a solid credit rating, then you may receive offers for low interest rate credit cards. Y - Buying A Car With A Personal Contract Purchase Loan
If you are looking to buy a car but are unsure whether or not a new car is worthwhile, then you shou - Credit Repair - Tips And Tricks That Work
When you apply for credit, your lender will request a credit report from a credit reporting agency. - Bad Credit Debt Consolidation
No doubt there are numerous bad credit personal loans but hunting for a secured loan for bad credit - Before You Buy
Check out the market in the area you want to buy. Find out what price houses are going for and - Top 10 Keys To Creating A Good Credit Score
We know it can be unfair but credit is used for everything these days. Utility companies are even us