How to Get my Free Credit Report

The Fair and Accurate Credit Transactions Act mandates each of the three credit rating agencies to provide a complimentary credit report to every consumer on an annual basis. However, if you have been pondering over the question of how to get my free credit report, you need to know that there is a procedure of applying for the same. Usually, most people know that the best place to get my free credit report is the website of AnnualCreditReport.com.

All you need to do is log on to this government-sponsored site and answer a few security questions, following the verification of which you will be provided a credit report free of cost.

 How to Get my Free Credit Report from the Credit Bureaus

You can also get a credit report free of cost from the official website of each of the three agencies on an annual basis. The process is quite simple and similar to what you need to do while requesting for your copy of free credit card from AnnualCreditReport.com site –the only authorized site by FACTA. The security questions asked at the time of applying for a copy of free credit report include name and address of the person and other personal details such as date of birth and social security number. You can apply either for your free credit report via the online form provide on the site or you can request for the same via mail or by calling on the phone number provided on the site.

Though you can order the free copy of credit report from all the three credit-reporting agencies all at once, it is best to do so at an interval of few months. This will help you in monitoring your FICO score better and is an ideal way of detecting identity theft if you suspect the same. However, there is an additional charge applicable if you request for your credit score in addition to your credit report. The free credit report that you get simply contains your payment history that will help you track your financials better.

A consumer is also entitled to receive a free credit report in case any of the following happens:

• Your loan application is rejected based on the information provided in your report
• You are living on government assistance
• You are currently unemployed but intend to start looking for work in the next 2 months.

Thus, the question’ how to get my free credit report’ is not a very tough and complicated one, after all.