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How to get your free triple credit report

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Getting your credit report from the major three credit reporting agencies, TransUnion, Equifax and Experian  is easy to do and something you should put on your to do list if you haven’t done so already.

Tracking your credit is always a good idea. You never know when there have been errors made that will negatively affect you or if there has been activity on your credit cards that shouldn’t be there. Ordering credit reports can help you be aware of your credit power or in some cases your lack of power.

TransUnion Credit Bureau

TransUnion will send your credit report to you for free:

Phone number: (800) 888-4213.

You can actually get a credit score mailed to you by calling 1-866-726-7388.

You can file a credit dispute online if you see any errors.

Equifax Credit Bureau

The easiest way to get your credit report from Equifax is to call them at: 1-877-SCORE-11.

Their address is:

Equifax Information Services LLC
P.O. Box 105314
Atlanta, GA  30348
(866) 224-9235

Experian Credit Bureau

You can order a credit score for $6 by calling 1-888-322-5583.

You can get unlimited access to your credit report at CreditExpert.com

Experian plc is listed on the London Stock Exchange (EXPN) and is a constituent of the FTSE 100 index. Experian has corporate headquarters in Dublin, Ireland, and has operational headquarters in Costa Mesa, Calif., and Nottingham, UK. The Group employs approximately 15,500 people in 38 countries worldwide, supporting clients in more than 65 countries around the world. Revenue for the year ended March 31, 2008, was $4 billion.

I thought that was interesting. The other interesting thing about Experian is that it owns hitwise.com.  Hitwise  “provides insights on how 10 million US Internet users interact with more than 1 million websites, across 165+ industries.”

Free Credit Report From All Three Credit Bureaus

Getting a free credit report from all three credit bureaus can be done at AnnualCreditReport.com.

This is recommended by all three credit bureaus and is a free service if it is your one annual credit report.

Your Rights Under the Fair Credit Reporting Act

Here are some of your rights:

  • You must be told if information in your file has been used against you
  • You have a right to know what is in your file
  • You have the right to ask for a credit score
  • You have the right to dispute incomplete or inaccurate information
  • Consmer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information
  • Consumer reporting agencies may not report outdated negative information
  • Access to your file is limited
  • You must give your consent for reports to be provided to employers
  • You may limit “prescreened” offers of credit and insurance you get based on the information in your credit report by calling 1-888-567-8688
  • You may seek damages from violators
  • Identify theft victims and active duty military personnel have additional rights

If you have found some good places to get free credit reports, please let us know in the comment sections.

 

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Free Credit Report: Accessing Your No Cost Beacon Score

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Your credit report credit score is basically a representation of your finances and in many cases your net worth. There are many aspects of your character that can be determined by your credit score. It has become so important to keep a good credit score nowadays that even certain employers are a checking your credit score before they consider you for a job. With the importance of having good credit on an all time rise, it is mandatory that you make sure that your FICO is as accurate as possible.

The are several components that can affect your score, so it is important that you get a free credit score report to analyze your credit report. Some factors that can affect your credit score are late payments, charge offs, bankruptcies, and excessively high limits. There may also be inaccuracies on your report that were put on there mistakenly, making sure of what’s on your report is vital to repairing any inaccuracies immediately. Your free credit score report gives you the opportunity to do a thorough evaluation of your credit score at your own pace.

In addition to making sure your credit report is reporting accurate information such as actual balances of credit cards and revolving accounts, you also want to make sure that you have not become a victim of identity fraud. It is no secret identity fraud is the fastest growing crime in America, protecting yourself from most identity fraud situations can begin by getting a free credit score. Once you have receive your free credit score, if you believe that you are a victim of identity fraud, there are several measures you can take to rectifying the situation. Regardless of whether you are a victim or not you can still take preventative measures like identity protection.

With the current state of the economy, a good credit score is more important than ever before. Getting a loan for a home, business or ever a vehicle has become increasingly more difficult. It is not impossible however to get financing but the people who are able to qualify for loans have diminished. The financial institutions are getting much stricter with their criteria for approving loan applications, so it has become even more imperative that you keep up on your credit score report.

There is no excuses to not knowing your credit report information. Getting a free copy of your free credit score is just too easy. The benefits to knowing your check credit report, improving your credit score, and protecting your credit score are too many to list. Your credit rating is directly tied to your character so it has become an accurate representation of you, getting a free credit score and making sure your character is not being misrepresented is a must.

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