Free Annual Credit Report - Review Free Credit scores check your Free Credit Report

April 12, 2011 - PRLog -- Why is it important you get your free annual credit report?
to ensure you are protected from identity theft and fraud
to help you attain the mortgage you need
to insure you receive the lowest possible interest rate on a vehicle or consumer purchase
to make sure a potential employer or landlord sees accurate information of how you handle money

Get your Free Credit Report - http://www.creditcardbankaccount.com/free-credit-report.html

The three major credit bureaus - Equifax, Experian and TransUnion - are required by Federal law to provide you as a consumer with a free annual credit report. According to the FCRA upon your request once a year, you can receive your credit score at no cost.

This is good news for those consumers who are on a tight budget and can't afford the fee the credit bureaus normally charge. The credit bureaus do typically charge a fee, under other circumstances.

It's important to know you may only request a free annual credit report every 12 months.

Consumers beware... There are many websites offering a free report, but you may find out some will require you to buy something in order to get it.

It's a good idea to investigate websites that may be questionable about getting something for free, especially if there's a stipulation that goes with it.

The fastest and simplest way you can get your free annual credit report is to request it online.

With this request, you will have to enter your personal information. Although it varies by website you will typically be required to provide the following:
full name
address
social security number

If you have resided at your current address for less than two years, a former address is requested. This information helps to establish stability within the past several years. Once you have submitted your information and request, you will receive your credit report instantly.

It's your responsibility to ensure the data on your report is accurate. Even if your credit is bad, knowing what's on your report is the #1 step to repairing your credit. I hope you have found this information helpful about understanding and obtaining your free annual credit report.

Get your Free Credit Report - http://www.creditcardbankaccount.com/free-credit-report.html

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