An instant credit report at this day and age does not seem so impossible, does it? What with everything “instant” available for us right now, like instant noodles and instant coffee. It might seem thoroughly impossible for credit report to be instant because of the time it takes to gather pertinent documents and compile them in a report. But it is possible.
It is imperative that you get your credit report and score on a regular basis, so you are updated with the status of your finances and the condition of your credit reputation. Your credit can increase or decrease your chances of getting a loan. It can influence your possible employer’s decision to give you the job or not. More importantly, your credit report could alert you of identity theft. Therefore, checking it regularly is important.
Where can you get an instant credit report?
You can get one either from the three major companies the government has tasked to give a free annual credit report to everyone, namely: TransUnion, Equifax and Experian. From these three, you can get a copy of your credit report only once a year, if you want to get another one within the year you need to pay for it. You can also avail the services of credit agencies that focus on credit reporting and monitoring for a certain sum of money, there are even those which also offer credit repair services.
Instant is a relative term when it comes to credit report. How quickly you can get it depends on what kind of copy are you asking for, and how fast they can gather your credit information. For example, if you are asking for a hard copy it might take some time before the documents are delivered to your house, around 7-15 days to be exact, except when it is difficult to gather your credit data, then waiting time could be longer. But if you want a soft copy you can order your credit report online through one of the three major companies or via annual credit report.
How do you get your instant credit report online?
First, you have to collect the important papers you might need to confirm your credit account, personal information to prove your identity and other documents you will need to check if your credit report is accurate.
Second, go to annual credit report, experian, transunion or equifax official website. These are reliable and authorized agencies who are responsible for giving you an instant credit report .
Third, answer the online form in their website. You must provide the necessary details so that they can confirm your identity.
Fourth, check your credit report for any inaccuracies or negative items. If you have any complaints contact the credit bureau as soon as you can and improve your score if you don’t have an outstanding rating.
It is actually that easy and simple for you to get your credit report. Furthermore, you can also get them through other companies but you have to make sure they are reliable otherwise, you are setting yourself up for identity theft. It is truly great that these days we can now get instant credit report online.