The Three Credit Bureaus have been offering free credits reports for some time now. but in reality they really aren’t free at all. These offers comes with restrictions as well as limitations. You see unless you sign up for their credit report monitoring program, which you must also remember to cancel within the specified trial period you will find yourself paying for a service that is suppose to be free. What these bureaus don’t want you to know is that your report is 100% Free! You know I never understood how I could be charged for something that belonged to me in the first place. Apparently the government felt the same way. Due to the passage of the 2003 Fair and Accurate Credit Transaction Act (FACTA), all Americans are entitled to one free credit report from each of the three major credit reporting agencies Equifax, Experian and TransUnion upon request every 12 months. There are several ways you can request your free credit report & here are two. Please follow the provided link for other means or obtaining your report as well as addition information.
On-line Access – For on-line access goto www.AnnualCreditReport.com. Once you access this link it will ask you select from which Agency you would like to view your report from. You make your selection for each & each time you do you will be asked to answer some question to answers only would know. If you don’t answer correctly then access will be denied until you do. Should this happen to you simply “X” out & start over. Continuing will prompt you to mail in your request. This little trick is worth doing vs. waiting for the mail.
Mailing Access – For access via mail follow this link to the proper request form at www.http://www.scribd.com/doc/3291112/Annual-Credit-Report. There you can print out the form or as to your computer to print later. I recommend both. One you have the form mail to: Annual Credit Report Request Service – P.O. Box 105281 – Atlanta, GA 30348-5281
Free Credit Score Access – Ok now we come to the free credit score. The credit reporting agencies also offered credit score as well & for an additional fee you can have it. But I have found a way around having to pay that too. Simply goto www.creditkarma.com. The site provides your credit score free of cost. Now while you do have to register there are no charges involves. The great thing about this site in addition to your credit scores they also provide a host of other valuable tools, resources & offers. registration is quick & easy. You can access this site 24/7 365 free as many times as you want!