How To Get Your Free Credit Reports
Posted in Finance on 07/16/2010 02:03 pm by
Laurence H. Michelson asked:
You really can get free credit reports from each of the three major credit bureaus in the United States each year. There are no strings attached. When you order your reports you are not signing up for anything and you won’t get a bill in the mail, that is, if you order your reports from the right place!
There are a lot of companies online that offer free credit reports if you try their services. Usually, such companies offer credit repair counseling or credit monitoring. It saddens me to think that a company would use such a promotion to inspire clients to do business with them when honestly; the free reports are available to everyone without any commitment.
Federal law requires the credit agencies to provide consumers free credit reports every twelve months upon request. To order your free reports, visit annualcreditreport.com. You can order the reports online, by phone or by mail.
Can anyone order my credit reports?
Availability of personal things online can scare some people. There is no need to worry because each of the credit agencies has security measures that make it almost impossible for someone else to order your credit reports. When you order them, you will be asked personal questions such as previous addresses, which bank your mortgage is with and other various questions about your accounts that appear on your credit report. Sometimes, you will be required to mail identifying documents to the credit bureau to get your reports, another added security measure for your protection.
Is it safe to order the reports online?
You will have to transmit personal information when ordering the reports online, so if you are not comfortable with that, by all means, follow the instructions on the site to order by phone or by mail.
The phone number is 1-877-322-8228 and the address is:
Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281
To order by mail, you will have to download the form from the website or request one by phone.
The website where you order your free credit reports is a secure site, so it is relatively safe to order the reports online. Just make sure that the website that you are on starts with “https” rather that “http”. The “s” designates that it is a secure site.
Beware of responding to links that are included in an email promoting the annual free credit reports. There is a tactic called “phishing” that identity thieves use to collect personal information online. They set up a website that looks like the official site when in reality; it is tool for committing their crimes.
If you want to see a copy of your credit report, take advantage of the ability to receive one for free each year from each of the three agencies. Once you view your reports, if you are interested in credit repair counseling, contact a legitimate credit repair service to clean up your credit.
Joel
You really can get free credit reports from each of the three major credit bureaus in the United States each year. There are no strings attached. When you order your reports you are not signing up for anything and you won’t get a bill in the mail, that is, if you order your reports from the right place!
There are a lot of companies online that offer free credit reports if you try their services. Usually, such companies offer credit repair counseling or credit monitoring. It saddens me to think that a company would use such a promotion to inspire clients to do business with them when honestly; the free reports are available to everyone without any commitment.
Federal law requires the credit agencies to provide consumers free credit reports every twelve months upon request. To order your free reports, visit annualcreditreport.com. You can order the reports online, by phone or by mail.
Can anyone order my credit reports?
Availability of personal things online can scare some people. There is no need to worry because each of the credit agencies has security measures that make it almost impossible for someone else to order your credit reports. When you order them, you will be asked personal questions such as previous addresses, which bank your mortgage is with and other various questions about your accounts that appear on your credit report. Sometimes, you will be required to mail identifying documents to the credit bureau to get your reports, another added security measure for your protection.
Is it safe to order the reports online?
You will have to transmit personal information when ordering the reports online, so if you are not comfortable with that, by all means, follow the instructions on the site to order by phone or by mail.
The phone number is 1-877-322-8228 and the address is:
Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281
To order by mail, you will have to download the form from the website or request one by phone.
The website where you order your free credit reports is a secure site, so it is relatively safe to order the reports online. Just make sure that the website that you are on starts with “https” rather that “http”. The “s” designates that it is a secure site.
Beware of responding to links that are included in an email promoting the annual free credit reports. There is a tactic called “phishing” that identity thieves use to collect personal information online. They set up a website that looks like the official site when in reality; it is tool for committing their crimes.
If you want to see a copy of your credit report, take advantage of the ability to receive one for free each year from each of the three agencies. Once you view your reports, if you are interested in credit repair counseling, contact a legitimate credit repair service to clean up your credit.
Joel