Government Credit Report Once A Year - Free Annual Access Right

July 8, 2010 - PRLog -- People will be traveling and having fun at the same time. Summer months will see a decrease in work.

However, summer is the midpoint of the calendar year. Therefore, summer is a great time to check up on the dreadful credit report, a document showing debt history of an individual reported by the three major bureaus, Experian, Equifax and TransUnion.

Aurora Lillo Editor of the "Get MY Credit Report" website -- http://www.GetMyCreditReport.biz -- pointed out;


“...The United States government passed the Fair Credit Reporting Act, or FCRA, to increase and improve consumer rights. FCRA provides consumers the chance to negotiate with the bureaus on fixing inaccurate information and adding additional data. FCRA also allows consumers to dispute false items with creditors, such as banks and lenders...”

The best aspect of FCRA is the convenient option of acquiring free debt reports annually through a website, annualcreditreport.com. The three major bureaus, Experian, Equifax and TransUnion, allow consumers to acquire these files from their websites; however, access to them requires payment. Other websites, such as freecreditreport.com, requires payment too for a copy of debt files.

Annualcreditreport.com allows consumers to access their debt history from the three major bureaus at no cost.

Each access to the three major bureaus will ask for a Social Security Number, name and other basic information. After entering basic personal information, the bureaus will ask a string of usually three to four security questions, such as previous addresses and alternate names to name a few, to verify the identity of the consumer requesting the debt record.

The limitation by the word 'annual' is that the debt reports can only be retrieved every 12 months. For some individuals, it may be advantageous to retrieve credit files at the end of the calendar year.

Annualcreditreport.com should be accessed for curiosity of an individual's current debt standing rather than for disputes as such method allows the viewing of free reports on the three major bureaus' websites when such incidents come to fruition.

“...The free access to debt history allows individuals to spot errors, such as incorrect addresses and names. Additionally, access to the files allows individuals to look for items that should no longer be there, such as accounts surpassing the statutes of limitations, normally 7 years. Tax liens and bankruptcies have a minimum of 10 years presence in consumer debt history...” added A. Lillo.

Further information about how to get a detailed credit report including scores and as often as you want by visiting; http://www.GetMyCreditReport.biz