Apart from the fact that you are not paying anything to
get free annual credit report, the main advantage is that, it is considered a soft report.
Simple suggestions for heightened vigilance include: evaluating your bank accounts on a regular basis,
ordering free annual credit reports from the bureaus, using fraud alerts or security freezes.
Credit expert Dave Fulk details the ins and outs of
understanding free annual credit reports, encouraging people who never or rarely review their report to understand it better and take charge of their financial well - being.
If you're not sure what your credit score it, you can get an estimate for free online at multiple websites, and if you want the real thing you can apply for your one legally -
entitled free annual credit report online.
A law was passed in the United States entitling every citizen to one
free annual credit report per year from Experian, Equifax and TransUnion, the three major credit reporting agencies.
A recent United States law has been passed that allows all individuals access to one
free annual credit report from each of the three credit reporting agencies.
Alternatively, you can request a copy of
your free annual credit report.
(Request
a free annual credit report here.)
Pull
your free annual credit reports, then check for debts and accounts you might have missed.
You're also entitled to one
free annual credit report, so no need to pay for a service that's guaranteed anyway.
Be sure to get
your free annual credit report as provided under law and thoroughly review your credit history prior to contacting your credit card company.
Request
your free annual credit report by calling (877) 322-8228.
First and foremost, you have to know where you stand you credit card company and the best way to find out is to get
your free annual credit report from one of the three credit reporting agencies.
Your free annual credit report contains your name and contact information, former addresses, list of all your creditors, their contact information, and financial data pertaining to your available credit, balance outstanding, and type of credit account you maintain.
A free annual credit report should always be used to monitor for fraudulent activity such as identity theft or to monitor the report to make sure that information being reported is accurate.
Yesterday I posted a detailed step by step guide on how to obtain
your free annual credit reports from the three primary credit bureaus (Equifax, TransUnion, and Experian).
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