Helpful Tips On Obtaining a Free Credit Report
Credit reports are your most important asset when applying for a loan, job or even housing and obtaining free credit reports is easier than you think. Knowing what information it contains is vital to the acceptance of any of these goals. You should review your credit history at a minimum of once a year, in an attempt to correct mistakes, update information or to know what your score is. The best way of doing this, of course, is by getting a free credit report. Obtaining a credit report can get expensive if requested regularly. However, it does not have to be. Each of the three major credit reporting agencies will allow you up to two free credit reports in a calendar year, all you have to do is ask. They can be easily contacted by toll free numbers or online. Not only can you get a free credit report, but the call is free too! The toll-free number for Equifax is 800-378-2732, 888-397-3742 for Experian and Trans Union can be reached on 800-888-4213. If you would prefer, each credit reporting agency will accept written requests for a free credit report via regular mail. A free credit report will need to be requested from each individual credit reporting agency, as a report containing all three reports in one is not usually given free. The credit score is not always included in the free credit report either. However, you can obtain both by signing up for a credit service. In exchange for signing up for this offer, you will receive free credit reports for the first three months, but be required to pay for all the others. That means a one-time free credit report. These services do not share the knowledge that you are entitled to receive free credit reports up to twice a year for obvious reasons, but you are entitled to them. When asking for your free credit report is essential that you have all the pertinent information you need. Not having this information will prevent you from receiving your free credit report. You will be asked to provide your full name, your social security number, and your address. Always be sure the website is secure before requesting your free credit report information online. Receiving your free credit report online is quick and only takes a few minutes. When speaking to a credit agency during a telephone call you need to ensure that you are requesting a free credit report. Waiting time is one to four weeks. A written request, however, will take up to six weeks or longer to receive.