Sunday, June 29, 2008

No Cost Credit Report - How To Get It

Is it possible to get a no cost credit report? Yes, definitely. This is a good news to people who have serious credit score issues. Perhaps, you're wondering what your credit score is. Perhaps, you're considering taking out a loan for a new business or a new car, but you don't know if you would qualify. You really don't want to go through the hassle of applying for a loan just so you'd get rejected. You could avoid it by knowing your credit score before you even enter the doors of the credit agencies.

Getting it for free can be overwhelming when you don't know where to go and how to get it.

It is very important for consumers to check on their credit every year. They do not remain constant. You cannot expect to have the same credit score five years after you last checked. This could cost you your job or your house. Knowing your credit score is crucial. Luckily, it is now available to you at no cost at all. Indeed, you can get your totally free credit report online.

Every citizen is entitled to their no cost credit report every year. You can get them from the country's three major credit agencies. Before you can get it for $9.50, but these days, Equifax, Experian and TransUnion are required to provide Americans their free reports once a year.

No, you will not get them automatically. You still have to file a request in order to get your copy. You can do this in three ways:

1. You can go directly to any trusted website, the only authorized consumer source online in order to access your no cost credit report.

2. You can get your free report via phone by calling (877) 322-8228

3. You can request via mail by sending in your request and mailing it to Annual Report Request Service.

Your report is the basis of your credit score. Once you have sent in your request, you can expect to receive it within a reasonable time. You'd get a summary of your payment history, balances, payment behavior and accounts listing. What you get is not automatically your credit score. However, credit agencies would base your credit score from your it. The better it is, the higher is your credit score. If it reflects bad accounts or worse, bankruptcy, you'd likely have bad credit score as well.

When you receive your free report, it is very important that you check for disputable accounts and items. Make sure that it is accurate. Otherwise, you would be saddled by these accounts. You will not be able to easily secure a loan. You could lose your home over an inaccurate reporting.

Nowadays, no cost credit report is available to everyone. It is your right to avail of them so you'd know how you stand financially. Your report could mean a huge difference between having a difficult or easy financial life.


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