The national consumer companies Equifax, Experian, and Trans Union requires The Fair Credit Reporting Act (FCRA)– to provide you with a free copy of your credit report, at your request, once every 12 months. To keep all the information of consumer in files the FCRA helps as it promotes the accuracy and privacy.
This credit report includes all the detailed information related to your personal issues like your residential address, who you pay your bills, and whether you have been ever sued, arrested or filed for bankruptcy. With all this information the national consumer reporting companies sell the information in your report to creditors, employers, insurers, and all others that evaluate your application for credit, employment, insurance or renting a home.
To order your free copy of credit report you can visit the official and legal sites of three financial bureaus where you will be provided with an online form. You have to simply fill the form with all your correct information to get the accurate copy of your credit report. Some times many people won’t give the correct credit card number due to which your form get rejected.
Try to avoid all the incorrect information as these sites are legal so provide all your legal information correctly to get a free copy of credit report with in few hours. These three nationwide consumer reporting companies have their own central website, a toll-free telephone number, and a mailing address through which you can order your free annual report anytime according to your conveyance
You can order your free credit report from each of the companies one at a time or you may order each of the nationwide consumer reporting companies at the same time. the law (FCRA) allows you to order a copy of your credit report in every 12 month from each of the nationwide consumer reporting companies.
To get your free credit report you just have to provide all the information like you name, address, social security number, the new location address if you have changed in last tow years, also provide the address of old location. Sometime for the security the nationwide consumer reporting companies may ask you some question which is only known by you like what monthly mortgage you pay. Different company may ask you different question just for extra security before they provide you your free copy of credit report.
When working to repair your credit it is important to make sure everything is reported accurately. Remember that you are entitled to one free credit report per year from all three reporting agencies or for a small fee have it provided more than once a year.
Ordering one's free credit report from the three major credit recording companies is absolutely vital to the credit repair process. The report will enumerate every debt and unpaid bill that is hurting one's credit. Often a free credit report will point the way to debts and problems one was not even aware of. Whether these are errors or legitimate issues, they must be addressed to heal one's credit score.
Credit repair is possible with the right information and a great plan. Do not feel overwhelmed by the state of your credit. Find out whatever you can do to make it better and then do it. Use the tips in this article to help you do that. Any time that you spend on the credit repair process will be well worth it.