How To Get Copy Of Credit Report?
How to Obtain Your Copy of Credit Report
A credit report is a summary of your credit record and it provides details such as payment records, outstanding balance, credit history, and even the age of the credit. This information is then summarized into your credit score, which serves as a benchmark for your credibility when acquiring credit products such as loans or credit cards. Requesting a copy of your credit report means that you can check through your entire record for any errors and check for fraud.
All of the three major consumer credit reporting companies including Equifax, Experian, and TransUnion offer free credit reports. You are allowed to receive one copy of your report of your choice for free once every 12 months from the company. Keep reading for four techniques for requesting your free credit reports and analyzing the essential points of these reports.
Go to AnnualCreditReport.com and order your free reports.
The only authorized place that offers credit reports from all three agencies is AnnualCreditReport.com. This site was designed in compliance with the Fair and Accurate Credit Transactions Act FCRA which granted the right of every consumer of the United States of America to obtain one free copy of his or her credit report from each of the three credit bureaus once within twelve months through a centralized agency. AnnualCreditReport.com is fast, secure and most importantly does not charge its users any fees.
Some of the data that needs to be entered at the AnnualCreditReport.com site are the name, address, social security number, and date of birth to verify an individual’s identity. You will then decide which credit report you want to pay for. It is possible to order one of the reports, or all three at once, from Equifax, Experian, and TransUnion. Once you send your reports, you can access them online or if you wish have a physical copy of the reports sent to your physical address. A total of five minutes or less is what it should take to complete the entire process.
Order by Phone
If you would like to place your request for the credit reports through a phone call, then please call Annual Free Credit Report Request at 1-8773228228. You will be prompted to place orders and the system will assist you with activating the delivery of your reports. This is particularly true if you are seeking a fast processing whereby you will be required to furnish your name and address, Social Security number, date of birth, and telephone number.
Order by Mail
To order your credit report for free by mail, fill out the Annual Credit Report Request Form available for download on the FTC website. Return the completed form to the address shown and either fax or mail it to.
Annual Credit Report Request Service PO Box 105281 Atlanta, GA 303485281
On the request form, do not forget to tick each box to be clear whether you need a single report or all three. Also, ask if the reports should be delivered by post to the given address or if they can be collected from the post office. It is estimated that the type of mail requests takes about two weeks to process.
Order Through Additional StateServices
It is important to note that although AnnualCreditReportcom is the only site recognized by the federal government in the United States for offering credit reports, one may qualify for other free reports from state programs. Some states provide citizens with additional chances to conduct at least one personal credit report/financial information check free of charge. The consumer protection agencies of your state government can assist you in identifying programs that you can access.
Reviewing Your Credit Reports
Normally, when you receive your credit reports, take time to analyze all the information provided under the various categories stated above. Each segment may include information concerning your new financial plans and the loans you could realistically apply for. Review the key factors that impact your credit rating and overall loan approval chances:
Identifying Information
Confirm all information such as full name, present and past addresses, Social Security Number, and the employers stated – check if they are all correct. One has to report any figures that are out of the ordinary straight away to prevent fraud.
Credit History
Look at all accounts under the credit history section, which may include credit card history, car loan history, student loan history, and mortgage history. Recheck the account status for each of them – is it an open account, a closed account, or an account fully paid? Indication of payment history. If there are accounts that you have not created, or the information reported that are wrong, initiate a dispute with the credit bureau and the lender.
Inquiries
What others have done, for example, to check on your credit, like when you are receiving pre-approved credit card offers or as part of an application for a job, these are the ones you will find under the inquiries category. Several applications within a short duration of time as well as can affect your credit score for some time. But while comparison shopping for a particular line of credit may not make a difference.
Public Records
Information like bankruptcies, foreclosures, tax liens, or lawsuits can be filed under the public records section and they can be viewed by everyone. A list of customers with outstanding payments showing the due date or customers with newly opened accounts following these actions is also seen here. If there was a mistake when making the declaration or if the declaration should have lapsed, then demand the credit bureaus to correct it.
Collections
If an account is listed as past due and it was sold to a third-party collection agency, it will be shaded in the collections section. Sigh even settled collections are for seven years. In addition to the basic creditor details that are provided in the previous columns, record balance owed, and years on file here. The dates in the metric view can be off or the balance will be wrong, so you need to contact the agency to adjust it.
How to Dispute Errors
Information about how to report mistakes you find in the credit report is provided at the end of any report you may have. Misreported information relates to incorrectly reported account information, information belonging to a different person filed under your credit report, credit inquiries you do not recognize or collections you think should not be on your credit report. Either of the two: online or mail, then choose the appropriate way of filing a dispute.
Colleges and universities, by federal law, are required to employ the three major credit bureaus to run the website annualcreditreport.com which allows consumers to get their credit report information for free. It means that you have a chance to check your credit records and scores – giving full information one can use to the maximum.
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