Credit Report
Learn About Credit Reports.

Free Credit Report – How to Get a Credit Report For Free

by Davion Wong
Every citizen is entitled to an annual free credit report from three main credit bureaus, Equifac, Experian and Transunion. These major credit-reporting agencies are tasked by the government to provide the citizens a free copy of their report once in a year. (continued below)


    Your Credit Report and Credit Score Includes:

    • Unlimited access to your credit report and credit score for 60 days
    • Automatic notifications of critical changes to your report, such as late payments
    • Information that will help you find out who has reviewed your credit report and when
    • A detailed analysis showing how to improve your score and what is actually affecting it
  • Monitor Your FICO Score with Score Watch

    Keeping An Eye On Your Score Can Be Very Rewarding

    • Two Free Score Power reports, plus discounts on additional Score Power® reports
    • Future Credit Score
    • Daily monitoring of your Equifax Credit Report with email notification of key changes (email / wireless alerts)
    • Access to friendly and knowledgeable Customer Care available 7 days a week
    • Continuous score monitoring and notification when a change in your FICO® score impacts the interest rate you are likely to receive
  • View your FREE SMART Credit Report™ and ALL Scores Instantly!

    • Credit Score
    • Future Credit Score
    • Auto Score
    • Insurance Score
    • Free Trial

Free Credit Report – How to Get a Credit Report For Free

A credit report is a comprehensive collection of your personal credit information which includes your payment history and behavior, current account balances, complete list of all your financial accounts, and much more. It does not contain your real credit score; however, your credit score are based on the information taken from this report. Therefore, in order for you to achieve a good credit score, your credit report should have an excellent credit record.

However, there are some instances when some of the information contained in your credit rating report have errors; hence, it is very important to get your free report in order to check if all entries are correct. Erroneous entries could greatly affect your credit score; and this will further affect your quality of life.

The free credit report is not automatically sent to you every year; you have to make a request for your free copy by doing any of the following methods: request a copy of your printed annul report request brochure at the Federal Trade Commission; check its back page where you can find a request form and fill up the required fields. Once completed, mail it to the Annual Credit Report Request Services, P.O. Box 105281, Atlanta, GA 30348-5281.

The second method of getting your free credit rating report is by calling their customer hotline at (877)322-8228; and lastly, you can go online and log on to the only website that allows you to access your free copy at the

Doing any of the following methods mentioned above will help you get your own free copy of your financial record. Once you receive it, make sure to check and authenticate all entries. Furthermore, try to identify which aspect of your free credit report where your performance is poor; and try to improve it to increase your total credit score.

About the Author
Unsure of your credit score? Need to secure a loan or handle your credit? Get your 3 credit report scores for free instantly today.

Article Source: