Get Immediate Access To Your Free Credit Report

Get Immediate Access To Your Free Credit Report
by Geoffrey L Holdermiller

Don't get SCAMMED into paying for the free annual credit report you're entitled to by law. As of September 2005 every citizen of the United States has the right to a free credit report.  An amendment was made to the Federal Fair Credit Reporting Act which requires each of the nationwide consumer reporting agencies, which are Equifax, Experian, and Transunion, to provide you with a free credit report once every 12 months. In order to obtain your free credit report you need to provide your name, address, Social Security number, and date of birth.

Be careful not to get caught up in one of the credit bureau's advertisements for a free credit report. There are many advertisements like that out there where they try to get you to subscribe to one of there services in order to get your free credit report. There is only one legitimate site online where you can get your free annual credit report. The site address is annualcreditreport.com. Be careful that you don't misspell the address or you might get redirected to other websites that offer free credit reports, but only with the purchase of other products.

As an alternative to ordering online the three nationwide consumer reporting agencies have set up one central toll-free telephone number, and mailing address through which you can order your free annual credit report. To order your free credit report call 877-322-8228, or complete the Free Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. Remember not to contact any of the three reporting agencies directly to get your free credit report. They will not provide you with the free annual credit report.

Each of the nationwide consumer reporting agencies are going to ask you questions, for your own security, for information that only you could possibly know. The questions will pertain to information in your file such as a previous address and or the amount of a regular payment you make on a loan. Each agency collects the information they have obtained in your file from different sources so more than likely they will each ask you different questions. Remember you are not required to purchase anything to obtain your free annual credit report. So don't feel obligated to buy anything while you are on the authorized free credit report website.

If you want to see your free credit report right away than you need to order your free annual credit report through the website. Be sure to answer each one of the security questions accurately or you will be denied immediate access to ensure the security of your file. If that were to happen than the reporting agency will mail your free annual credit report. Your free credit report will be mailed within fifteen days of the agencies receiving your request whether or not it was by phone or mail.

There are other alternatives to to receiving a free credit report even if you already obtained your free credit reports for the 12 month period. The laws state that if you have been denied credit and request a report within 60 days of receiving notice your entitled to a free credit report. Federal law also states that if you are unemployed but expect to apply for employment within 60 days, the victim of identify theft and place a fraud alert in your file, your file contains inaccurate information as a result of fraud, or if you are on public assistance, you are entitled to a free credit report.

If none of the free options to get a free credit report are available to you than you will have to purchase a report for a small fee of around $10.00. You can contact the credit reporting agencies as follows: * Equifax: 800-685-1111; http://www.equifax.com * Experian: 888-EXPERIAN (888-397-3742); http://www.experian.com * TransUnion: 800-916-8800; http://www.transunion.com

Don't get scammed by credit repair companies or purchase useless credit repair guides, Get a no cost copy of the highly acclaimed Credit Secrets Mini Book and more information on <a href="http://secretstocreditrepair.com/free_credit_report">free credit report</a> or <a href="http://secretstocreditrepair.com/free_credit_report">free Annual credit report</a> Don't reprint the same version as everyone else. Get your own <a href='http://www.uberarticles.com/home.php?id=110688'>unique content free credit report article</a> here.