How To Get a Free Annual Credit Report Online

It’s important to view your credit report to see that everything is shown the way it should. You may want to look for errors in your credit card accounts, incorrect mailing addresses, wrong Social security info, signs of identity theft, late payments, and unauthorized inquiries.

Did you know that you can get an 100% Free copy of your annual credit report?

There is a fairly new government law that requires the three largest credit reporting agencies to provide you with a free copy of your credit report online, once every twelve months.

Those three credit agencies which must provide a free annual credit report include Equifax, Experian and TransUnion.

There Are Three Ways in Which to Obtain a Copy of Your Free Annual Credit Reports:

• The three nationwide consumer reporting companies have set up a central website at AnnualCreditReport.com

You can order your reports from Equifax, Experian and TransUnion at the same time, or one at a time.

• Your can order your free credit by calling toll-free 1-877-322-8228

• You can order you free annual credit report by Mail. Complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281

An Important Warning About “Imposter” Free Online Credit Report Websites

AnnualCreditReport.com is the only one website that is authorized and entitled to under law to fill orders for the free annual credit report. Other websites that claim to offer “free credit reports,” “free credit scores,” or “free credit monitoring” are not part of the legally mandated free annual credit report program.

In many cases, what they call a “free” service comes with strings attached. For example, some websites sign you up for a supposedly “free” service that converts to one you have to pay for after a trial period. If you don’t cancel during the trial period, you may be unwittingly agreeing to let the company start charging fees to your credit card.

Also, the authorized credit report website does not show your credit score but you can purchase it when you request your free annual credit report through AnnualCreditReport.com. A credit score is a complex mathematical model that evaluates many types of information in a credit file. A credit score is used by a lender to help determine whether a person qualifies for a particular credit card, loan, or service. Your exact number may or may not be worth you paying money to see but the most important is to just review the free report for accuracy.

So please be careful not to get duped and follow the advice above.

Ready? Get Your Free Annual Credit Report Online Now.

Wishing you a happy credit report,
HelpYourMoney.com