Get Immediate Access To Your Free Credit Report

Since September of 2005 you are entitled to a free credit report as a citizen of the United States. The Federal Fair Credit Reporting Act has been amended and now states that each consumer credit reporting agency, which are Transunion, Equifax, and Experian, provide to you a free credit report once every 12 months. So don't let any of the credit reporting agencies scam you into buying something to access your free annual credit report. You will have to give them your name, social security number, address, and date of birth to get your free credit report.

The credit agencies have some very misleading advertisements which can easily get you signed up for a paid service if you are not careful. There are many of these types of advertisements out there so don't let them get you signed up for something you don't want just to get your free credit report. Your free annual credit report is only accessible from one website online that is legitimate. The address to that website is annualcreditreport.com. If you are not careful and misspell the websites address you could easily be misdirected to a website that offers free credit reports only to get you to buy some other product.

You may order your free annual credit report by mail by simply filling out the Free Annual Credit Report Request Form and mailing it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. If you prefer you can order your free credit report by calling toll free 877-322-8228. Do not contact the credit reporting agencies directly to attempt to get your free annual credit report. None of the agencies will provide you with a free credit report if you do.

Each of the nationwide consumer reporting agencies are going to ask you questions, for your own security, for information that only you could possibly know. The questions will pertain to information in your file such as a previous address and or the amount of a regular payment you make on a loan. Each agency collects the information they have obtained in your file from different sources so more than likely they will each ask you different questions. Remember you are not required to purchase anything to obtain your free annual credit report. So don't feel obligated to buy anything while you are on the authorized free credit report website.

If you request your free credit report online you should be able to access it immediately unless your security questions do not match. If for some reason your answers to those questions do not match the information in your file the credit reporting agency will deny you immediate access to your free annual credit report for security and mail it to your address on file instead. If you order your free annual credit report by phone or by mail your request will be processed and mailed to you within 15 days of them receiving your request.

There are other alternatives to to receiving a free credit report even if you already obtained your free credit reports for the 12 month period. The laws state that if you have been denied credit and request a report within 60 days of receiving notice your entitled to a free credit report. Federal law also states that if you are unemployed but expect to apply for employment within 60 days, the victim of identify theft and place a fraud alert in your file, your file contains inaccurate information as a result of fraud, or if you are on public assistance, you are entitled to a free credit report.

If none of the free options to get a free credit report are available to you than you will have to purchase a report for a small fee of around $10.00. You can contact the credit reporting agencies as follows: * Equifax: 800-685-1111; http://www.equifax.com * Experian: 888-EXPERIAN (888-397-3742); http://www.experian.com * TransUnion: 800-916-8800; http://www.transunion.com

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Don't get scammed by credit repair companies or buy useless credit repair guides, Get a free copy of the highly recommended Credit Secrets Mini Book and more information on free credit report or free Annual credit report

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