The Ftc Mandates Free Credit Reports

"You have the right to a free credit report from AnnualCreditReport.com or 877-322-8228

, the ONLY authorized source under federal law." - Federal Trade Commission

Allow me to start by stating that I'm not breaking this news. But the truth is, at least with the people we have spoken with, there are tons of people that are not aware that they may get their report, completely free, with no strings attached . And consequently, I believe it needs to be discussed.

Your Totally Free Report Is Govt Required.

The FAIR CREDIT REPORTING ACT is the thing that assures and also allows you permission to access your free reports. The 3 national reporting bureaus must give you a credit report, free of charge, every 12 months. This happened as a result of a great deal of complaints that individuals brought to the F.T.C. Citizens were complaining about the fact that they couldn't get their report for free without having to register for other services.

Where To Search For Your Free Credit Report.

Just like the quote above suggests. You are able to head over to the AnnualCreditReport.com site, or contact the toll-free telephone number. You may even obtain your report by mail if you so choose. I never have personally called the toll-free number or even done a request through the mail. But I've visited the internet site. For the most part, it's pretty straight-forward at the beginning. However, it usually is confusing when moving through the unique processes for receiving your reports via Experian, Equifax, and TransUnion. If you are having trouble with the process, there are several tutorials that will walk you through the process of getting your reports from Experian, Equifax, and TransUnion.

A Note On The Paid Options.

There are lots of businesses on the TV and around the web offering services related to credit reports and credit ratings. Much like everything nowadays, several are fantastic, quite a few are effective, and quite a few are bad. If you are in the market for these types of services then remember to do your research. Have a look at as many as possible, look at what they provide, and see how much they charge. And like always, look at the fine print.

Can't Afford To Pay? Implement This.

If you can't afford one of the reporting products advertised on TV or the world wide web, why not get the next smartest thing? You might go to AnnualCreditReport.com and obtain a report from each reporting bureau in just one sitting. But have you thought to spread them out?

Due to the fact that you can only obtain 1 report from a bureau annually, ask for 1 every four months through a different bureau. For instance, you could potentially ask for a report from Experian each January, Equifax each May, and TransUnion every Sept. Doing this allows you to view your credit report three times a year. This will also let you catch any errors, or fraudulent activity, on your report in a four month time period instead of a 12 month time period.

by: Brix Wayne

POST COMMENT

Some Good Info On Credit Cards: Which Type Is Best For You Quick Credit- Avail Quick Funds Instantly Without Any Hurdles Bad Credit Installment Loans - Unique Fiscal Support For Bad Creditors Poor Credit Rating Loans: Get Loans Without Any Credit Trouble Cash Loans No Credit Check- Fulfill Any Financial Needs Now! Quick Loans Same Day No Credit Check- Get Money To Satisfy Your Needs Bad Credit Loans Instant Decision Hit Your Financial Troubles With Complete Ease 90 Day Loans With Bad Credit- Grab Instant Funds Without Any Hassle Bad Credit Loans: A Blessing For The Bad Credit Scorers Installment Loans For Bad Credit- Offers The Flexibility Of Getting Loan Fast Loans No Credit Check- Get Quick Cash Now With Ease! 24 Hour Loans No Credit Check-very Convenient To All No Credit Check Military Loans- Superb Cash Aid For Immediate Needs Of Military Individuals