free credit report annually

If you have a car loan or applying for a home mortgage anytime soon, it is important that you know what your credit report. Because the first thing your potential lenders will be after you for a loan to your credit report to see if you are "credit-worthy." The better your credit rating, the lower the interest rate you receive. In this article we have three easy ways to order a free copy of your credit report.

First of all, you have actually reports three products, each from one of the three major credit reporting agencies, TRANS UNION, Equifax, Experian and. Their past and current credit information about your creditworthiness of each of these three offices. The office package this information in your credit report, and the resulting credit outcome. The good news is that by law, you are entitled to free copy of each of your credit reports per year.

There are three ways you can make your copy:

# 1: Online. The three credit reporting agencies jointly sponsor a Web site specifically for the purpose of providing copies of your credit report. Well, actually the real purpose is to sell you additional services. More about that in a minute. Go to AnnualCreditReport.com, and click on the Request Report button. You have to see a bit of personal data, but you'll be rewarded with a copy of your credit report immediately. Warning: There is a multitude of other sites with similar names that try to sell you a copy of your report. AnnualCreditReport.com is the only "official website" under the auspices of the credit bureaus. Yes, they will try to sell credit monitoring services, your credit score and a multitude of other "services", but you do not have to buy to a free copy of your report.

# 2: By telephone. You can also use the credit reporting agency to place a copy of the report. The number is 877-322-8228. They will take you through a verification process on the phone. But do not expect to see your report any time soon. In fact, they say they will e-mail the report within 15 days. Allow 2-3 weeks for delivery. "

# 3: By mail. The third way to make a copy of your credit report is one form of mailing Annual Credit Report Request Action Service, PO Box 105281, Atlanta, GA 30348-5281. They require that you have a special form on its website (AnnualCreditReport.com), and when your form is it a month or so before submitting your report. Because you need to on the website for the form, you can also use the reports on-line application - it is certainly much faster.

Since you will receive a free copy every year from each of the three credit bureaus, if you wish your room (one request every four months), you can use your credit reports over the period of one year, all for free.