How Do I Get A Credit Report? Step By Step Explanation

How Do I Get A Credit Report? Step By Step Explanation

There are many reasons why it is important to keep a close eye on your credit reports.

Naturally, before you apply for any credit such as a car loan, personal loan, credit card or mortgage you will want to know what your current rating is.

Aurora Lillo Editor of the "Best Credit Reporting Services" website -- http://www.CreditReportsAndScores.biz -- pointed out;

"...A poor credit rating will affect your request in a negative way, either by your being denied your loan or mortgage outright or by high interest rates being levied against your loan. There are other reasons for keeping an eye on your report as well, such as helping to make sure you do not become a victim of identity theftsomething that is becoming increasingly more common. You can also make sure that the information reported on your report is accurate and instantly spot any trouble areas which may lead to a lowering of your credit score..."

Everyone is entitled to receive a free report from each of the three main consumer agencies, Equifax, Experian, and TransUnion, upon request, once a year. Additionally you are able to request a free report any time a company denies you a loan, employment or refuses you insurance providing you request the report within sixty days of notification of the denial of your request. It is a fairly simple procedure to obtain your free report, though it does entail your supplying quite a few details in order to verify your identity.

The three main agencies have collaborated to set up a central website, a toll free number and and a mailing address where you can submit your request. To order your report simply fill in the details asked and either submit the form via the website, call your information in on a toll free number, or mail it to the Annual Credit Report agency. You will be asked quite a few questions so it is best to have all of the information that will be needed on hand before you sit down to fill in the form.

For example, you will need to know your full name, current and previous addresses, SSN, full date of birth, current and past employment information which includes the name of your employee and place of employment. In addition, and as a further security measure, you will be asked for specific financial details that only you would be likely to know, such as specific monthly loan payments you are making. As there are reports issued from each of the three different companies you may be asked for different financial details from each company.

"...Once you have submitted these details you should expect to receive your report immediately if you ordered online, or within fifteen days if you order either by phone or by mail..." added A. Lillo.

Further information about how to get a detailed credit report including scores and as often as you want by visiting; http://www.CreditReportsAndScores.biz

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