Get Your Free Credit Score Report Online

Home and car loans, mortgages, some insurance and some jobs are dependent on the individual’s credit report and score. A good credit report and score can get you the most favorable deals and a bad one can deprive you of one. It is advised to check your credit history and score regularly to make sure that all activities accounted for on your credit report are only yours and to detect identity theft as soon as possible. There are paid services for getting copies of credit reports and score but there are free ones as well. Find out where to get your free credit score report online.

Credit report Free Credit Score Report Online

Credit reports are a detailed history of a person’s credit line. It includes credit card, home loans details, and banking institutions. Found on the report are personal identifying information such as name, address, work history, and Social Security number. It is used to determine the individual’s credit-worthiness.

The Fair and Accurate Credit Transactions Act has mandated the credit reporting bureaus, Experian, Equifax and TransUnion to furnish consumers with one free credit report every year. This can be requested online through the website of their central unit Annual Credit Report (www.annualcreditreport.com), by phone or by mail. This free annual credit report includes a credit report from all 3 of the major bureaus.

What happens after the annual free credit score report online?

You can purchase a copy of your credit report and score from the website of one of the three credit reporting bureaus for $14.95 or all three for $39.95 prices may vary). There are countless websites that offer free credit reports although none are authorized by the government so be sure that you only visit well-reputed websites.

Credit score

Credit scores are computed using the information found on the credit report. The 3 major credit reporting bureaus use the FICO model to compute the scores. It is the most widely used model for credit score computation. Credit scores are a three digit number ranging from over 800, the highest score to around 300. These scores then have a corresponding rating such as excellent for a score of over 720 and risky for any score lower in the range of 300.

The FACT Act unfortunately does not require the three major bureaus to give out free annual credit scores. Just like credit reports, free credit scores are available online on countless websites. If you wish to only transact with the government authorized agencies, credit scores can be purchased at any of the three major bureau’s websites.

My reports and scores are not the same

Credit reports and scores are not identical in any two bureaus although some information will be found in all three reports. What you find in your credit report with Experian may not be available in TransUnion. Some companies and financial institutions will only update your record in one of the bureaus. Since credit scores are computed using the credit report, they will vary as well.

How Many Free Credit Reports Per Year Are You Entitled To?

So you know that credit reports and scores matter to loans and that you have an idea that there’s a free credit report somewhere. Wondering how many free credit reports per year you are entitled to? Wondering where to get them? Find out in this article

How many free credit reports per year

The government passed Fair and Accurate Transactions Act, or FACT Act entitles every American citizen one free credit report from each of the major credit reporting bureaus every year. The major bureaus are TransUnion, Experian and Equifax. When you request for your free annual credit report, you will receive one from each of these bureaus.

How to order the free credit report How Many Free Credit Reports Per Year

There are three ways to request for it. One is by phone and will be sent to you through mail, second is by mail and will be sent to you the same way and last, through online at www.annualcreditreport.com. If you request for your report online, you will get your report almost instantly but are required to save it for future reference. Once you have exited from the report, you might not be able to access it again. If you opt to request for it through mail or phone, your hard copy will be sent within fifteen days after receipt of your request.

What is required to request for a copy?

There are no requirements in order for you to successfully request for your credit report or score. If you order it over the phone or online, you will simply be asked some identifying information such as your name, address, date of birth and Social Security number. Although more information may be required to help identify your record. These are usually details that only you would know about including credit card credit limit, past address if you have transferred, work information and so on. A simple request form should be filled out and sent along with your mail request.

What to do with that credit report

Once you receive your credit report, what should you do with it? Take a good look at it. Check for any errors and when you find one, no matter how petty it may seem, report it. A small incorrect detail could potentially pollute your good credit name. After all, you want improve your score not lower it. Identity theft can be easily detected through a credit report monitoring too so the earlier you see the unusual activity on your report the sooner this can be fixed.

Credit reports come with a guide to help you understand it better so you will have to study it to read the report well. You can then take necessary steps to ensure that you have a good record. If you are doing poorly, a credit report check should signal a wake-up call.

What about the credit score?

The free annual credit report does not include a credit score. Credit scores are to be purchased individually at the different credit reporting agencies. Credit report with score costs around $14.95. You should know your credit score may not be the same across all three bureaus. That is because of the information that is available to each of the bureaus. What is available to one may not be available to the others.

Check Credit History Free Online

If you want to check your credit history online for free, you have two ways of doing that. You can either go to the authorized website, annualcreditreport.com or through the other credit reporting websites.

Why you should check credit history

Your credit history or report is a collection of all your credit-related activities from current and previous bank check credit history free onlineaccounts, current and previous credit card details to mortgages. It takes into account every minute detail including late bill payments. Some entities then judge you by this record. Let’s say you want to get a house loan, the lender will check your credit history to help him decide on whether or not to grant you one and it can even determine how good of a deal they will give you. Using your credit report, these agencies can tell if you are a risk to them or not. So use your free report to determine if you should and how you could improve your score.

I can give you two reasons why you should check your credit history. One is to check to make sure that everything under your name is correct and second, to make sure that you are not a victim of identity theft. Misinformation can cause your score to drop and you may be declined a loan, insurance or mortgage for that very reason. That is why you should make sure that the details on your credit history are correct. Many people have detected identity theft by the checking their credit report. If your social security number, address or other personal information is inaccurate, then you must file a dispute to get all of your credit reports corrected.

Where to check credit history free online

As I mentioned, you have two options in getting your free credit report. It is highly advisable that you go to the Annual Credit Report website before subscribing to any other website. It is the only website that is authorized by the government to give out credit reports and by law, you are entitled to one free credit report every 12 months. This does not include the credit score though, you will have to pay extra for it. Getting your free credit report is very simple. All you have to do is go to the website and provide all the necessary identifying information about you. This includes Social Security number, work information and personal information but never credit card details. When you complete application, you will be sent three credit reports. These are credit reports from each of the three official credit reporting bureaus (Experian, Equifax and TransUnion).

The other credit reporting websites where you could get a free credit report are not authorized by the government to do so. Because of this, take extra precaution when filling out their subscription. Some of these websites will claim that they need your credit card details in order for them to locate your credit history. Yet there are those that do not require credit card information. When you give out such details, you are risking getting billed. Avoid giving out this information. If you should proceed with one of these websites, be sure to read their terms and conditions very carefully.

Yearly Free Credit Report Gov

Before the The Fair and Accurate Credit Transaction Act of 2003, or FACTA, consumers had to pay $9.50 for a copy of their credit reports from the three credit reporting bureas; Experian, TransUnion and Equifax. Now, you can conveniently request for your yearly free credit report gov or from the government. This is a benefit that you now have and should take full advantage of to raise your credit score. Take note that the free annual credit report does not include a credit score, it can be purchased as an added service. Here are the things that you should know about the yearly free credit report gov:

Yearly free credit report govHow can I request for my free annual credit report?

You can request for your free annual credit report in one of three ways; phone, internet or by mail. There is a central unit that the three bureaus have established to give out free credit reports. You can reach them through the website annualcreditreport.com, a toll-free hotline with the number 1-877-322-8228 or send your request by mail to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. If you wish to send a request by mail, be sure that you fill out and include in the mail the Annual Credit Report request form.

The Federal Trade Commission or FTC advises consumers that the best and safest way to order their credit report is by mail.

What is the fastest way to order my free annual credit report?

You will be able to access your free credit report almost immediately through the website. But be sure that you save a copy of it on your computer because you might only be able to access it once. Once you log out, you can’t access it freely again.

How long will it take for a credit report requested through mail or phone?

If you sent your request by mail, it will be sent to you within fifteen days upon receipt of your request. If you requested through the hotline, it will be sent out within fifteen days as well. Your credit history report might take longer to get to you if more information is required in order to verify your identity.

What information is required in requesting for a yearly free credit report gov?

The four basic identifiers that you are required to give are your name, address, date of birth and Social Security number. Don’t be surprised if you will be required to provide a previous address or other information only you know of such as insurance, mortgage and loan details, this is for added security. Credit card details are never required so be extra careful with this information especially when requesting for your credit report online. Double check that you are on the authorized website because there are countless others that offer free services.

Warning

The FTC asks consumers to take extra precaution when dealing with website that claim to offer free credit report and score. Some will simply steal your personal information so don’t give out your credit card details to anyone and others will give you inaccurate information and charge you for their service.

More Free Credit Report and Score Options

Free credit report and score offers are available on countless websites all over the internet but there are only four websites recognized by the US government to obtain your credit reports. These websites are annualcreditreport.com and the official websites of the three credit reporting bureaus namely TransUnion, Equifax and Experian. Here are other things you should know.

How to get free credit report and score?

When visiting the above mentioned sites, you will be asked for a few verification questions and then you will free credit report and scorehave access to your credit report instantly. There is no free credit report and score service available on any of these websites. Credit scores can be purchased for roughly $10. You can get a free credit report once every twelve months from each of the credit bureaus, other than that it has to be purchased unless you have been denied credit. Then, you have the legal right to another copy.

Do I need a free credit report and score

You need to check your credit report once a year for any discrepancies and detect identity theft. You will also want to check it months before you intend to apply for a loan, mortgage or any form of credit to see where you stand. If you are looking for a job, it will also be helpful to see how accurate your credit report is.

How important is my credit report and score

A good credit report and score is essential to saving you a significant amount of money and securing opportunities such as a loan or a job. Your credit report and score is used by lending companies and insurance companies as a basis for determining your risk factor. With it they can either reject your application or increase your monthly premiums. Employers often check a job applicant’s credit report to see how financially responsible you are, also.

But I don’t have a credit history

Even if you think you don’t have a credit history, make sure that it is so by getting the free credit report and score from the official websites. A student loan and a bank account will appear in your report and is considered part of your credit history. If in fact you have no credit history in your report, you can start building it by opening a bank account and applying for a credit card. Store credit cards will also help. But, you can afford to pay in cash? Keep your credit card active by using it and paying it in full at the end of every month. That way you are creating a good credit history but not paying interest rates.

3 Ways To Get Your Free Annual Credit Report

The FACT Act entitles every consumer to a free annual credit report. The FACT Act is an abbreviation for Fair and Accurate Credit Transactions Act and was passed into law in 2003. The Federal Trade Commission made this possible in order for the consumers to be able to check their credit reports for any discrepancies and dispute it once and for all. The free annual credit report does not include the credit score.

How to get your free annual credit report

You can get your free annual credit report in three ways; online, by phone or by mail. Requesting your credit free annual credit reportreport online is the fastest way to get hold of your records. You can view it instantly as long as you provide all verification information required. All you have to do is go to the government authorized website, annualcreditreport.com, and answer the five personal identification questions. These questions include details about your finances and personal data such as past and present addresses. When you have supplied the website with correct information, you can then view your credit report. You can request your credit score at an extra cost of around $10.

If you wish to request for your free annual credit report by phone, you may call 1-877-322-8228. You will be asked some verification questions before your request will be processed. Unlike online request where you can view your credit report instantly, ordering it over the phone will take between 2 to 3 weeks.

Requesting your free annual credit report by mail will take the longest since your report will be sent out 2 to 3 weeks upon receipt of your mailed request. No verification process will be done in this kind of request so you will have to complete the Annual Credit Report Request Form and send it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

What about getting a credit report after the free annual credit report?

You can get your credit report as often as you want, any time you want even after you have already claimed your one free annual credit report but for a fee. Each report from the different credit reporting bureaus; Equifax, TransUnion or Experian will cost around $15. Oftentimes, these agencies offer deals such as getting all three credit reports and scores for $39.95 at Experian and Equifax.

Another instance in which you’re entitled to a free credit report is when you have been declined for a loan, mortgage or credit card. When this happens, you are entitled to a free credit report within sixty days after having been informed of the denial from the credit report bureau that the company used to get your credit report. But this will mean that you should work extra hard to increase your credit score.

Free credit report is also available to those under the government welfare assistance program, when disputing a fraudulent information in your credit report, correcting inaccuracies or if you are unemployed and intend to find work.

One Free Credit Report Per Year Allowance

Everyone is entitled to one free credit report per year from each of the three credit reporting bureaus, Equifax, Experian and TransUnion according to the Fair and Accurate Credit Transaction Act. These three agencies are the only reporting bureaus authorized by the government to collect and release credit information on every consumer. Different lenders, creditors and other financial institutions report to them for updates on every individual’s credit related activities.

One free credit report per year

The one free credit report per year can be processed at the only website authorized by the government to one free credit report per yearprovide credit reports according to the Federal Trade Commission which is annualcreditreport.com. From there, you can obtain all three credit reports. In order to request for your one free credit report per year, you are required to provide information such as personal details and Social Security number.

When do I need to check my credit report?

Since you’re allowed by law to receive one free credit report year, you might as well take advantage of that benefit even if you don’t seem to need it. You should regularly check your credit report for any inaccuracies and dispute it at once. What if there’s a late payment registered in your credit report when you have paid all your bills on time? That will surely affect your credit score and reliability in the eyes of creditors so be sure that all the information is true. Even information as simple as your personal details can sometimes be inaccurate.

You should also check your credit report before applying for a mortgage, credit card and loan. Creditors will be checking yours to determine how reliable you are in terms of paying your financial obligations. Some employers are even known to check job applicant’s credit report to see how responsible they are.

Can I check my credit report more than once a year?

You can check your credit report as often as you would like but for a fee. After you have claimed your one free credit report per year, you have to pay $14.95 for each report or $39.95 for all three although prices may differ from each credit bureau.

Some people who are conscious about increasing their credit score claim that checking your credit report can leave a mark on your report but this is not true. Only inquiries from others will leave a footprint on your report. You will be able to see who has requested for your credit report in the report itself.

What about my credit score?

Credit scores are a three number rating of your credit report. It ranges from 300 to 850, 300 being the lowest. A computation of your credit report is used to come up with a score. Credit scores are not included in the one free credit report per year. You have to purchase it at the different credit reporting bureaus at roughly $10 for each score.

Free Credit Reports From All 3 Bureaus

There are many services online that offer free credit reports from all 3 bureaus but you should know that there are only a handful websites that are actually legit and won’t take advantage of you. A few of these websites are the official websites of Equifax, TransUnion, Experian and the government run www.annualcreditreport.com.

Where to get free credit reports from all 3 bureaus

Every consumer is entitled to a free credit report from all three credit bureaus once every twelve months. All free credit reports from all 3 bureausyou have to do is go to each of their websites and fill out a form requesting your credit report. But the credit report does not include the credit score. Credit scores can be purchased for around $10, depending on the credit reporting agency.

After you have claimed your free credit report from each of the credit reporting agency, that’s when you will have to pay for the credit report and score. Experian offers this service at $14.95 while you can get it from Equifax at a dollar more. These agencies also offer a bundle deal where you will receive credit reports from all three credit reporting bureaus and each of your credit scores for a few dollars more. Both Equifax and Experian have the credit report and scores from all three bureaus deal at $39.95. If you wish to pay a little less and don’t need the credit scores, Equifax can provide all three credit reports at $29.95.

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If you haven’t taken advantage of the free credit reports from all 3 bureaus yet, you might as well start to. Take it as an opportunity to review your credit history and see what is made available to whoever requests it. Remember that if you are applying for a loan, mortgage and sometimes even a job, they can request for your credit report and base their decisions on it. Make sure that the information in your credit report is correct and that no fraudulent activity and misinformation is present.

Be wary of free credit reports from all three bureaus sites requiring your most confidential information such as credit card details, social security details, etc. The internet is littered with credit report phishing sites. Unsecured credit report request webpage forms are a dead giveaway. Run don’t walk from these doorways to identity theft hell.

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In conclusion, you don’t have to pay for your credit reports if you only need them once a year because each of us are entitled to a government mandated free credit reports from all 3 bureaus but not free credit scores.

Free Credit Report Denied Credit Privilege

Everyone has the right to a free credit report (when) denied credit by the lender. This is made possible by the Fair and Accurate Transactions or FACT Act. According to the law, the individual who applied for the credit but has been denied should be sent what is called an adverse action letter which is basically what will explain the reason or reasons for the decline in the application.

Get a free credit report denied credit

The adverse action letter can come in one of three ways; over the phone, by mail or orally. It can be credit free credit report denied creditbased or non-credit based.  A credit based adverse action letter is sent to those who have been declined the credit application based on their credit report and score. Reasons will be given on why you have been rejected as well as include the credit bureau where the company obtained the credit report. It will further explain that the credit bureau is not involved, in any way, in the decision making. It will include information on where you can get the free credit report (for the) denied credit within sixty days. You are only entitled to claiming the free credit report (for) denied credit from the credit reporting company where the lender obtained the credit report. Because errors in credit reports are possible, the adverse action letter will give you the chance to correct inaccurate credit report information should there be any.

A non-credit based adverse action letter is when you have been rejected the credit application for reasons other than your credit report and score. It will state the reasons for the rejection and provide you with an Equal Credit Opportunity Act or ECOA. When you receive this kind of letter you are not entitled to a free credit report (for) denied credit.

Getting rejected from a credit application can be discouraging. The first thing that you should do is take a good look at the adverse action letter and find out why you were rejected. Avail of the free credit report (when) denied credit if the reason for your rejection is credit based. The credit report and score that will be given to you is the very same thing that the lender was provided with. Make sure everything in it is accurate.

Once you have determined what the reason is, try to improve your credit record and only apply when your score has improved. It is not advisable to hop from one creditor to another in the hopes of getting lucky and getting a loan granted. This is a big no-no since application for credit, whether you have been rejected or accepted, will appear on your credit record. Consecutive applications and subsequent rejections will only damage your record and make future creditors think that you are indeed having a hard time getting a loan and will be reluctant themselves.

So take advantage of the free credit report denied credit privilege and build your credit report from there.