How to View your Free Credit Report from Government

As per the Fair and Accurate Credit Transactions Act, the three credit rating agencies are required to provide a copy of free annual credit report to every citizen when he or she requests for the same. In order to get this report, the citizen needs to answer a few security questions following which he or she will be provided free credit report as per the FACT Act that became a law in the year 2003. These security questions have been designed to ensure that only the right person can enjoy access to his or her report. In order to view your copy of free credit report government, you need to log on to the website of AnnualCreditReport.com.

Credit Report Agencies

You can also get a copy of your free credit report by requesting from any of the 3 credit report agencies such as Experian, Equifax and Transunion. You need to subscribe to this service by logging on to the official website of these agencies and provide detailed personal information including your name, address, social security number and date of birth. In case you have recently moved to a new home, you need to provide your old as well as new address.

No credit card required

You can easily get your free credit report government without providing any details of your credit card. The free credit report government that you will get will include information about your financial history as well as the mode of payment of bills. In addition to that, it will also mention any outstanding bills or bills that are past the due date. In case you find the procedure for obtaining free credit report government a little confusing, you can always take the assistance of experts who can be contacted online or via phone.

Be cautious of other sites

While there are many other ways to obtain free credit report, it is important to check the authenticity of the sites that offer this facility to ensure that you are not compromising your personal and financial information in any way. Refrain from using the services of those sites that ask your credit card number and other details as they may charge you for the service without your knowledge.

To be completely safe, subscribe to the free credit report service offered solely by government sites. This way you can be sure of getting the correct report as well that you can study in detail as well as detect and dispute any misinformation that may be dampening your credit score.