How Do I Get A Free Annual Credit Report?

How Do I Get A Free Annual Credit Report – Thanks to the FACT Act, getting your free annual credit report is quick, easy and secure.

You may get a copy of your free credit report at any or all of the following three credit bureaus:

Equifax – 800-685-1111; www.equifax.com
Experian – 888-397-3742; www.experian.com
TransUnion – 800-888-4213; www.transunion.com

But the best and easiest way to get your free credit report is to call 877-322-8228 or visit www.annualcreditreport.com.

If you are also looking for a copy of your credit score, you should go to either www.myfico.com or www.equifax.com. Only these two websites will give you the actual credit score number that lenders use. The other sites like creditreport.gov would give you only their estimate of your credit score.

When ordering your free credit report, you will need to have the following information at hand:

  • Social security number
  • Your former addresses and dates you lived there
  • Credit card account numbers
  • Your employment history

If you find errors in your credit report, send dispute letters to the three major credit bureaus. The credit bureaus have 30 days by law to investigate and make corrections.

If you haven’t got around to requesting your free credit report in a while, it is recommended that you get a copy from each of the credit reporting agencies. The advantage of ordering all three credit reports at the same time is that you will be able to compare them. Then you would not be eligible for another free credit report for another 12 months.

The advantage of requesting your free credit report ordering one now and others later, one credit report every four months for example, is that you can keep track of any changes or new information that may appear on your annual free credit report. So if you request yours from only one credit agency today you can still request from the other two at a later date. That way you will have access to your updated credit report every four months throughout the year.

How Do I Get A Free Annual Credit Report

The value of maintaining a clean credit report and having a high credit score could be worth thousands of dollars to you over the course of a loan. People with the best credit get lower interest rates and even preference for employment opportunities.

So you asked “How do I get a free annual credit report?” Now you know how.




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