Keeping an eye on your credit report annually is more important than ever. There are far too many identity theft cases to ignore the possibilities of it happening to you. Getting a free credit report is easy and free. Whether it’s done by phone or the internet, it is urgent that you follow through. When you look at the stunning number of breeches in security and actual identity thefts, you may not be able to turn away from the fact that you need to keep an eye on your report.
There are other reasons that you should check your report. There is a chance that the information on your credit report is incorrect. Requesting a free copy of the report will enable you to get the information corrected. These reports impact your life in many more ways than you could possibly imagine. It pays to make sure it is right.
Here is a list of places that you can request your annual credit report:
Free Annual Credit Reports
You will be able to obtain all three of your credit reports for free from this site. The reports are truly free. You won’t have to worry about setting up an account for monthly fees. Some sites will force you to sign up for a membership for their credit services. This isn’t necessary. The law states that you do not have to pay for an annual credit report.
Experian is one of the major credit reports that creditors and others will check to see what your score is and how reliable you are. You can go directly to their website to request your free report. You will be able to dispute any errors that may show up directly from the website. The report will be made available to you immediately. It is also truly free. This is one of the most important companies that you should check. People seek out Experian when doing a credit check.
When entering this site, you will see two options to receive your free credit report. Equifax is another major credit reporting agency that creditors will use to check on you. It has a huge bearing on the decision made by banks, credit card companies, insurance companies and even potential employers.
This is another credit-reporting agency. Transunion isn’t the most major of the three, but creditors do check this as well. You can go to their website where you can request your free report. You cannot be charged for your annual report. If you have not checked it within a twelve month time span, there should be no problems in receiving the report.
There are many sites that will offer you a “free” credit report. Most of those sites will require you to put in your credit card number and sign up for their other services though. These will incur a monthly charge for a service that you may not want. It is highly recommended that you only go to the sites that will actually allow you to get a free credit report without all the hassles of trying to remember to cancel an unwanted subscription. It is the law that you are allowed to receive on free credit report per year. Take the government up on their offer and get one today.