As soon as you start using your credit account, you should start asking about how to get a credit report so that you can keep track of your credit history. You also need to know the answers to these questions: Where do you get them? Who do you appproach? What do you need to get them? How much are they? Some people do not know where to start, the term credit report can be intimidating especially if you are a beginner at it.
How To Get A Credit Report
There are 2 ways you can get your credit report, you either get it through mail or via the internet it depends on your preference, how soon do you want the report to be with you and what kind of copy do you want with you. If you want a credit report in hard copy you can get it through mail, but it will take a few days before it arrives on your doorsteps. It may take 7-15 days before you have your credit report in your hands.
How To Get A Credit Report Instantly
However, getting a credit report through mail is going to be a difficulty for people who have immediate concerns. If a person needs their credit report immediately then, for example if he wants to verify if somebody has been using his credit account without his knowledge,that is when you need to step in and get your copy of your credit report. It might seem impossible for you to get your credit report in just a few minutes but it is now possible! The internet has made it possible. You can now go into the website of a trustworthy credit bureau and fill out a form that they have there requesting for you credit report. After that wait a few minutes and you will get your report. It is as easy as that.
Where Can I Get My Credit Report?
You can go to annual credit report website and fill out their request form, indicate which of the three bureaus you would like to request your credit report from. This website is affiliated to the government, so it is reliable and trustworthy. Also, remember that the three major credit bureaus: transunion, experian, and equifax are mandated by law to give you one free copy of your credit report, in case you need another copy, you will need to pay a fine to process your request.
Are there other credit report agencies?
Yes, there are other companies which can give you your credit report but it is risky to venture from the familiar and is not as safe as the 3 major companies who have established their name and reputation over the years. If you do decide to try a company other than the 3 mentioned, make sure that your agency is not a scam.
So as you see, getting a credit report is not as difficult or as scary as you thought. You only need to request for it at the right agencies, and I repeat, make sure you are requesting at the right place because you will need to share personal information to verify your identity. These are information that an identity thief can steal and use for his own advantage. I hope this helps demystify the question of how to get a credit report for you.