How Do I Get My Free Credit Report

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To get a free credit report, you need to first gather all requisite information to deliver to the credit report making site. As per United State government laws, all Americans are entitled to receive a free credit report from 3 major credit companies - Equifax, TransUnion, and Experian. Earlier the credit reports used to cost almost $10 but now they can be availed for free. To get reports from these companies, you need to place an application with AnnualCreditReport.com - it is the source authorized by the government. The application form should have complete details otherwise mistakes will creep into the final report. Through the report, one can determine whether you are eligible for future loans and other financial services. These indicate your credit worthiness to your creditors and they are used also by private moneylenders, insurance agencies, and employers to know your repayment capability in the near future. The report is a complete analysis of all your credit financial transactions during a financial year and along with the report, you are entitles to credit score. The credit score acts as gauge against the where you stand in terms of liabilities. The best part is you can order for free report from all the above agencies. In a way, you can have three reports anytime of the year. If you ask for reports from any other agency, you have to pay additional fees. Previously, there were some rules regarding the situations with which one can ask for reports but now, even if you are denied loan or applying for unemployment benefits, you are still entitled for report. Also, each state may have their own credit reporting agency for free; states like Maine, Colorado, Georgia and New Jersey but still you can ask for free credit report service from the above three basic agencies. Credit reports are prepared within a week and you can view them online. However, when viewing them online, make sure you click on correct web address otherwise if you land up in spammed site, all your information will fall into wrong hands.

Debt Relief Grants can show you how to get rid of your debt and feel the weightless feeling of being financially secure. Don't hesitate to find out what you can do now to keep your credit in excellent shape and eliminate your debt.

Article Source: http://EzineArticles.com/?expert=Jacqueline_Harris


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