How To Obtain A Free Copy Of Credit Report

Each person is entitled to get a free copy of credit report. There is a Fair Credit Reporting Act that requires the credit reporting agencies to supply a copy of your report without charge. Upon request, each of these agencies must provide one copy in a 12 month period.

Each report contains vital information concerning your financial life. It includes your current address, when bills are paid and if there are any law suits against you. Many employers are checking credit history as a part of their background check. This is especially true of certain industries where confidentiality and finances are involved.

It pays to take a look as a way of heading off identity theft. Since years can pass without it being checked a lot of damage is usually already done before a person finds out. Use the report to improve your credit score. Clean up as many issues as possible to qualify for a better interest rate for a mortgage or car loan.

There are three agencies that accept reports regarding credit, TransUnion, Experian and Equifax. Do not go to each company to ask for a report. The companies have made a website where the request can be made for one or all of them. There is also a phone number and a mailing address.

It will usually take about 15 business days to receive. Read through the report thoroughly. If there is any information that is not accurate, a letter can be written to the company to dispute it. The company must then investigate the dispute and will ask the creditor that reported the information to offer proof. It will be a good idea to send in your information supporting the dispute.

A free copy of credit report is easy to obtain. When an application is submitted where a credit check is necessary and you are denied, you will receive a letter. In this letter will be information on how to request your report free of charge, no more than 60 days later.

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