Get Your Free Credit Report

If you want to obtain your report (the report erroneously) free credit there are three ways to do it: online, by mail or by phone. According to the law fair credit Fair Credit Reporting Act (FCRA), every consumer has the right to your credit report for free once a year.

There are three agencies that are in charge of your credit information: Experian, Equifax, and Transunion. These three companies have a duty to let you get your report free of charge, but only once a year. It is important that you see the three reports because each of them can have a different information.

Note: This will not give you your credit score, this is not important, but ensure that the information that you in your report is correct.

By internet:

Quick order your reports from each of the credit bureaus is online. You can go to www.annualcreditreport.com and fill out the form on the page. Be sure to take into account which is the page where you are going, there are many places that offer you the free report, but you have to sign up to a plan of monitoring credit, these pages are not appropriate. The page is real is www.annualcreditreport.com.

By mail:

If you could get your credit report can be because your record is not vast enough to be able to verify your identity, or that they need more evidence that you are who you say be. In this case you have to fill out a form to request your report by mail free. Here is a link of the form:

http://www.ftc.gov/bcp/conline/include/requestformfinal.pdf

Send this completed form with a copy of your social security card and a copy of a photo identification document.

By phone:

You can call the credit bureaus so that send you your report, I do not recommend this method because you lot duraras waiting to fill the same information you can do yourself. These are the numbers:

Federal Trade Commission: (877) 322-8228

Equifax: (800) 685-1111 Experian: (800) 311-4769 TransUnion: (800) 888-4213