Your credit report is an essential financial asset! Whether you want to check for any mistakes or disputes in your finances or plan to opt-in for a loan, your credit history is necessary. Even if you feel that you could have fallen prey to malicious identity fraud, you need to deal with your credit score. Hence, it is imperative that you are aware of accessing your credit reports.
According to federal government law, the three major credit agencies are:
And all these three agencies are required to provide individuals with their credit reports.
So, if you want to get a government free annual credit report
, check with these three official agencies. Here you can get a free copy of your credit report that is presented in a snapshot format and is simple to understand. You will have zero hidden fees to pay. You don’t require your credit card as well.
Reasons for checking credit reports
There are times when people have identified specific changes
in their credit scores. Also, there have been alterations in the customer data as well. In such a situation, people want to know more about the real condition causing such changes. It's always better to get a glimpse of their entire credit file. People should claim their ownership for doing so and stay well informed.
Ways to attain a free copy of the credit report
You need to follow some crucial steps to have access to your free credit report.
By visiting a few online portals, you can place a request to see your credit files from TransUnion, Experian or Equifax. You have the option to either place an order or see a copy of the credit report online, via the major credit bureaus. You can further place that a free copy of your credit report gets mailed to you. Some of the essential steps that you must follow are listed below:
1. Share your details
Here you will have to share your name, your birth-date and the local address. You also need to add the Social Security number. All these in addition to the personal data get matched against another set of files to complete the identification process.
2. Place a request for your credit reports
If you want you to have the choice to request your credit report for all the three credit reporting bureaus.