Startling Facts About My Free Credit Report

Every citizen of US is entitled to receive free annual credit report from three major credit bureaus, namely, TransUnion, Equifax and Experian. If you feel the process of getting my free credit report is complicated, then you are wrong. All you need to do is just ask for your copy. Here are three ways by which you can request for your copy of the credit reports:

1. Mail the reports: Download the request form and fill it carefully before sending it to the credit bureaus. The report is received after fifteen days the company receives the request form.
2. Request Online: The easiest way to get your credit report for free is to ask for it online. Just log on to the website and request for the credit report and they are instantly available. Thus, this method is the most reliable and preferred one. But when requesting online you need to be careful about the imposter websites and identity theft.
3. Call Hotline: If you are not comfortable to do this online or don’t have internet connectivity then you can even apply it through telephone. Just call their hotline number and ask for your free copy of the credit report. You can easily get their hotline number from the website, AnnualCreditReport.com. In this case the report may reach you within fifteen to twenty days.

All the three agencies have a user-friendly website wherein all the details are listed elaborately to help you order the credit report easily. Some of the agencies even feature step-by-step videos to show how to request for the credit score copies. To get the free credit report you might have to give few or all of these documents and information:

1. Name
2. Date of birth
3. Address (if you have recently shifted into a new house, both new and old addresses need to be provided)
4. Social security number
5. Few personal questions to ensure safety of the transactions might also be asked.

It is best to order credit reports from all the three credit agencies and then make careful study to analyze your credit standing. After you receive my free credit reports it is best to compare the reports and look out for the discrepancies or errors. In case you find some discrepancies it is in your interest to bring them in the notice of the concerned authorities and get them deleted to improve your credit score.