It is every person’s right to get a free credit report every year from the three major credit - reporting bureaus. These credit report companies have put up mechanisms to aid the consumers to have an easy time when requesting for the annual free credit report.

The credit reporting bureaus Experian, Equifax and TransUnion have set up a central website that consumers can use to place their credit report orders. The central website was set up to prevent the hassle and confusions that may arise if there were several websites. There are imposter websites that claim to offer the same services but note that they aren’t mandated to provide the credit reports.

The order for credit report through the website is received almost immediately while the telephone order would take approximately two weeks depending on the workload of the credit bureaus. When ordering the credit report through mail you need to download a request form from the website and fill it in. Then you need to mail it to the common address. For this service, you will need to wait at least four to five weeks to receive your credit report. It would take them about two weeks to process and about three weeks for delivery.

The three in one credit reports come with credit scores although it is at a request and a small cost. The credit companies will require validating your identity before they release such information.

It is not difficult to get a free credit report since the credit reporting companies have in addition set up a toll - free number that you can use to communicate to the credit report bureaus and request your free credit report. This telephone service is voice activated and personal information like social security numbers and date of birth are entered by use of the phone’s keyboard. The customer is then asked from which of the three credit information companies they would like to get the report from. You can also get your credit report from the individual report company website but the report will contain limited information to that source unlike the common website.

In Conclusion, by researching and then comparing not one but many credit reporting providers, consumers will be able to identify the agency that meet your very specific financial situation, moreover, besides you will get the cheapest interest rate the market is offering. For Instance, read our latest credit reporting service review: FreeCreditReport360.com Review.

Nonetheless, it is recommendable going with a seasoned and reputable debt counselor before making any decision, this way you save time through seasoned advise and cash by getting better results in a reduced span of time.

H. Milla is editor of the Get My Credit Report website - where you can see his best rated credit report and scores company recommendation.

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