www free annual credit report

www free annual credit report
Unfortunately along with the holiday season usually comes an increase in credit card fraud and identity theft, so right after the holidays is a good time to your credit report. The following article will show you why, when and how your credit report ...

Why should you use your credit report

* To check whether errors
* To check whether fraud and identity theft
* To find the best rates
* More and more people rely on credit scores - automobile insurance companies, employers, etc.

To order your credit report:

* Once a year, if you have good credit and do not expect any major acquisitions in the near future
* Before purchasing a large, like a new house, new car, etc. - should your credit report 6 months before a major purchase, so you have time to correct errors
* If you already have a credit card is denied a loan or other product or service because the credit-(You are entitled to a free credit report if you were denied credit based on information provided in your report)
* If you suspect that your identity has been stolen
* If you begin a plan to repair the debt or your credit card.

How your credit:

There are three credit reporting agencies (Equifax, Experian and TRANS UNION), and they are obliged to provide you with a free credit report every year. The three agencies do not always have the same information, it is important to check all three.

You can view all three reports at a time, but it may be a better idea to check a company, a month, a few months to wait, then consider another company, then the third company a few months later. In this way you get three free credit reports per year, and you will be checking several times a year, so you are more likely to defect and / or fraud.

Go to www.annualcreditreport.com to make your credit report online. This is the only authorized source for consumers to check their credit report online for free. There are advertisements and websites for other companies who are entitled to your credit report online for free, but they are usually selling a service or they are a fraud.

You can also use 1-877-322-8228, or you can use for your credit report to: Annual Credit Report Request Service, PO Box 105281, Atlanta, GA 30348-5281.

Finally, you can create a 3-in-1-report, which is basically all three reports from each of the credit bureaus. This is a good idea if you have never requested your credit report, or if you suspect fraud. You can use your 3-in-1-credit-report at www.myfico.com.

Regardless of what time of year, it is important that your credit report at regular intervals to ensure that there are no errors and that you are not a victim of identity theft and fraud.

But it is still important that your credit report immediately after the holidays to ensure that you are not a victim of fraud in the business district the day of the year.