3 Totally Free Ways to Get Your Credit Report
Posted: Sunday, November 20, 2005
by Greg Quincy
You can now get your credit report without paying a dime. And unlike before, now it is truly free. No longer do you have to sign up for a "free" credit report by signing up for "credit monitoring protection service" for a low annual fee of $79 a year! The days of dodging the annoying charges and service fees for a free credit report are over.
Here are the 3 ways to get your free annual credit report:
1) The three credit reporting agencies have created a website to request your annual credit report. Go to www.annualcreditreport.com to order your report.
2) Call (877) 322-8228 to request your free credit report.
3) Complete a form from the Federal Trade Comission, http://www.ftc.gov/bcp/conline/include/requestformfinal.pdf and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
If you go directly to the three agencies or use any other type of service you may end up having to pay or sign up for the subscription services I mentioned above! Make sure you use one of the 3 methods I have listed to get your annual free credit report.
You can get the reports from all 3 agencies at once or stagger the reports from each one during the course of 1 year. The advantage of staggering the reports that you receive is to keep track of how any major changes in your financial picture affect what is on your credit report. For example, if you plan on getting a second mortgage over the coming year, or applying for student loans, ect. it might be wise to get a report before and after these major events!
This new Act does not supplant the other methods you can take advantage of to receive a free credit report. If you are applying for unemployment or been denied a loan, or need a credit report in order to get a job, you still have the right to obtain a free credit report.
Take advantage of this new government regulation and make sure all of the information listed by all three credit reporting agencies are correct. Any errors or omissions can reduce your credit score and end up costing you a lot of money when you apply for any type of credit.
Greg Quincy is the publisher of the website www.financialtipsforyou.com, offering his insights and personal finance budget tips that he has gained from working in the financial industry and the economic challenges of raising a family. Copyright © 2005 FinancialTipsForYou.
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More commentsi had to pay for my credit report
Can I get a totally free credit score also I got he credit report but would like a credit score for free can you assist me?
i could not get credit report they wanted my card no So its nor free there AD is miss leading
Greg, many thanks to you and your team for supplying such vital information to consumers like myself. It seems that everyone on the internet is out to make a buck. Even those who seem legitimate, at futher examination are not. Your information is accurate and very helpful. Thanks-a-million. D.G.- Dallas,Tx.
No!!!.I just want a free credit report. Everyone just wants your cc #. If credit is of such high importance then the credit report should be free!!!
how can i get a free credit score? i got a free report
I COULD NOT GET MY REPORT ,BECAUSE IM NOT GOWING TO GIVE THEM MY CARD NUMBER.
This is just another scam to get a credit card number.
credit card companies should put thier helmets on tight and slam them down hard vand mabe they would get the point free credit report= free no credit card needed
This is just another way of making money for the well to do.Honest people trying to make it and some sorry company that has a greed problem has to key off people went the times are as tuff as they are,and you wonder why this country is in the shape it's in today...
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