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Debt Counseling Assistance :: Free Annual Credit Report
Free Annual Credit Report:
How to Get Your Free Annual Credit Report
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Are you aware that everyone is entitled to a free annual credit report? The Fair and Accurate Credit Transactions Act (FACTA) stipulates that everyone is entitled to one free copy of their credit report every year from each of the three major credit reporting agencies – Experian, Equifax and Transunion.
To learn more about why you want to take advantage of this and also, how to obtain a copy of your credit report, keep reading.
Benefits of Obtaining Your Credit Report
Taking advantage of your free annual credit report is a smart financial move.
Because credit reports track your credit history, you can keep an eye on your credit rating, have a better understanding of how debt affects your rating and also help you watch out for potential identity theft. You can also look for potential mistakes or errors.
How to Obtain a Free Credit Report from Equifax
To obtain a free credit report from Equifax, you can do it right from their website. The link to the form can be found at https://aa.econsumer.equifax.com/aad/landing.ehtml.
Simply input your information, the reason for the credit report request and then wait 2 to 4 weeks to receive your credit report in the mail.
How to Obtain a Free Credit Report from Transunion
To obtain a free annual credit report from Transunion, you need to actually write into the company, or you can obtain it from www.annualcreditreport.com, a website run by the three agencies that lets you request your free credit report from all three credit bureaus at once.
If you'd like to write to Transunion, you should use their credit report request form. It's available online at https://www.annualcreditreport.com/cra/order?mail.
How to Obtain a Free Credit Report from Experian
Like Transunion, you need to use the Annual Credit Report website (listed above) to access and request your free annual credit report. Alternatively, you can call 1-877-322-8228 or write to Annual Credit Report Service, P.O. Box 105281, Atlanta, GA 31348.
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