Free Copy Of Credit Report - How to Get Yours
You cannot overlook the importance of your credit annual report. And the great thing is, now you can access to a free copy of your credit report. You can ensure that there are no clerical errors on your credit report by checking it on an annual basis. Even if you know you have poor credit, it is still a good idea to request an annual credit report.
Requesting your credit report is easy to do, either online or through the mail. You can put a request in writing to the credit reporting agencies. You then just have to sit back and wait for your report. You will save time by using the Internet to get your report.
A smart website that is worth using is annualcreditreport.com. This site allows you to view your credit bureau report from each of the three credit reporting agencies without charge. The system is solid and secure. You simply need to verify your identity and you can get a free copy of your credit report in a matter of minutes.
If you are viewing your credit bureau report on the Web, print it out and file it in a safe place for future reference. Check the date so that you remember to carry out your next credit check in a year's time.
You could also use the services of a credit monitoring company. They allow you extended access to your report. Credit monitoring services will usually let you have access to your credit files for free for a given time. This varies, but can be as little as 7 days or upto 30 days. This allows you sufficient time to get a free copy of your credit report and to decide if you want to continue with the service. Once the time is up, they charge a monthly fee ranging from ten dollars to fifty dollars a month.