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Request Credit Report - How to request a credit report

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You already know that good credit is an extremely valuable asset, and something you should actively work to protect. What you may not realize is how common it is to have incorrect information on your credit report. An estimated 50 percent of information found on credit reports is either wrong or outdated. The easiest way to make sure your credit report does not contain old or erroneous information is to review it periodically.

In order to review your credit report, you first need to obtain a copy. There are a couple different methods that you can use. If you have been denied credit in the past 60 days, you may obtain a free copy of your report by contacting the agency which provided the information on which the denial was based. According to the Fair Credit Reporting Act (FCRA), you must receive written notice that you were denied credit. That notice will list the name and address of the credit reporting agency involved. If you contact them in writing within that 60 day timeframe, you will be able to obtain a free copy of your credit report.

In addition, a law passed in 2003, the Fair and Accurate Credit Transactions Act, entitles you to one free credit report each year from each of the three major credit bureaus. Even though you are entitled to one every year, it is not sent automatically. You have to initiate the request in one of the following three ways.

1.Online- Visit www.annualcreditreport.com , which is the centralized source for reports from all three credit bureaus. By following the instructions on the web site, you will be able to obtain your free credit reports.
2.Phone-Call(877)322-8228 and you will be able to request the credit report copies over the phone.
3.Mail- By visiting the web site www.annualcreditreport.com, you can print out the Annual Credit Report Request brochure and mail it in according to the instructions on the form. This option can be used if you prefer not to type all of your information into the online form.

Once you have the copies of your credit report, make sure you review the information carefully. Look for outdated or incorrect information either in regard to your existing accounts or in your personal and work history. Each of the credit bureaus does have a process in place by which you can request corrections. The instructions for this will be printed on the individual credit report.

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