Can You Really Get Your Credit Report Free?
By Danny A. Thompson
Did you know that you can now get your credit report free from all three consumer credit bureaus? The three major U.S. consumer reporting agencies are now required to provide consumers a free copy of their credit report once a year. Prior to the enactment of this law, Equifax, TransUnion and Experian charged as much as $9.95 for just one report.
Consumers who wish to take advantage of the Fair Credit Reporting Act of 2008 have the right to order their free reports using the system that was established. Be aware that reports will only be sent to those who request them using the proper mechanisms. If you fail to follow the established procedures you may not receive your report or you may be charged a considerable fee. Reports will not be automatically mailed to consumers, instead they must be requested by the individual.
If you only need to get your credit report free once a year, you should take advantage of your rights under the new law to order a free report from each agency once per year. The new centralized system offers consumers the opportunity to order reports online, via mail, or by phone. Ordering online is fast and easy. Try this first, you even be able to get yours instantly online. If you do not have access to the Internet you can request yours using their toll-free number or by mailing your request to:
Annual Report Request ServiceP.O. Box 105281Atlanta, GA 30348-5281
For details on how to get your credit report free visit AnnualCreditReport.com. Be sure to have available information that will help confirm your identity. This will make the process easier and will avoid any delays in receiving your report free.
Bad Credit Channel provides information on bad credit - everything from how the system works, how to get around the problem, and how to improve your credit history. We offer tips on how to access financial services, how to repair your credit, start a credit history and will also help you find sources of financing for most, if not all, or your bad credit needs.
Learn more by visiting http://www.badcreditchannel.com
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