AnnualCreditReport.Com – Obtain Your Credit Report For Free : Equifax, TransUnion, Experian. No Need to sign up to subscribe or paying to get credit report if you have been a victim of fraud. For those who do not know, everything related to banking and credit is held on file by three companies. They are Experian, Equifax, and TransUnion. They hold what credit facilities you have, how much you owe, and whether you pay on time. Financial companies use this report to make their decision whether to give you loans, and credit cards.
The US government have passed an act under the 2003 Fair and Accurate Credit Transactions. What this means is it will not cost you a dime to get the information held on you. The whole point of this is to allow Americans access to the information due to the high numbers in identity fraud. This could help curb it or limit the damage done as someone has to pay for it and it usually gets passed back on to the customer. It is advisable that you check at least once a year as identity fraud can cause a lot of stress and take a few months to sort out the problem.
The bottom line is, you can access your personal Free Annual Credit Report for free and never need to pay any monthly fees or deal with any of the companies mentioned above. These companies are making millions of dollars a year by providing information that is already free to you, but they bundle it up with fancy commercials, scary advertisements about low credit reports and then get you on a monthly billing cycle. This whole process isn’t even necessary. Instead, follow the simple walk through below on how you can get your credit report for free.
These are the ways to get your Free Annual Credit Report:
You can visit the annualcreditreport.com/cra/index.jsp website. Fill out the forms on here and you will receive your credit report. Free Annual Credit Report
Also you can call (877) 322-8228 and request your report over the phone, this will not take too long and you can ask them any questions about the report.
Finally go to the Federal Trade Commission at http://www.ftc.gov and fill out the form on their website or you can write to:
Annual Credit Report Request Service,
P.O. Box 105281,
Please remember these are the official channels to go through, if you choose to go else where you will be charged money to get hold of your credit report. AnnualCreditReport.Com
Brandon has been writing articles online for over seven years now. His latest focus is on electronics and product reviews. You can view guest posts and freelance work from Brandon at popular web sites that focus on the qwirkle [http://www.qwirkle.org/], and loopz [http://www.loopz.org/].