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Free Online Report - Check Your Credit with a Free Online Report

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In this day and age, your credit report is more important than ever. Many people mistakenly believe it is only important if they plan on taking out a loan. While many people consider home loans and car loans an inevitable proposition, there are those who will be perfectly happy living in a rental the rest of their lives and buying used cars outright with cash. Even if you are in this category, it does not mean your credit report is meaningless. Credit reports are used today for much more than loans and credit cards. In many cases, your credit report may be the only factor in keeping you from that new job, or renting that higher-class apartment you have been dreaming about. Credit reports are also used by utilities and mobile phone companies to determine if service requires a deposit or will be allowed at all.

The most reliable way to determine the state of your credit report is to obtain a copy of it. The good news is that the Fair Credit Reporting Act requires all credit reporting agencies, most notably TransUnion, Experian, and Equifax, to give you a copy of your report once every 12 months upon request. The easiest way to get a glance at your credit is to put a request in for a free online report.

Although a free online report is the fastest and easiest method of being able to analyze your credit it is not the only method available. For those who do not have access to the internet, or for those who prefer not to use the internet, a report can be obtained by calling the AnnualCreditReport.com toll-free number at 1-877-322-8228. Alternatively, you can complete the form on the back of the official AnnualCreditReport.com brochure and mail it to Annual Credit Report Service, Box 105281, Atlanta, GA 30348-5281.

For those who prefer the ease and speed of the internet, the only place to obtain your free online report is through AnnualCreditReport.com. While many other website will claim that they can get you a free online report about your credit, these claims are never true. All other websites making this claim will use your credit card or debit card to enroll you in a monthly service after 30 days for which you will be charged each month until it is cancelled. By going to AnnualCreditReport.com, you can obtain your credit reports from all three of the major credit bureaus at the same time. In most cases, the report will be instantly available online to view, download, or print for future reference.

To get the free report online, you will be asked to enter some basic personal information. This information includes your name, current address, date of birth, and Social Security number. You may also be required to enter a previous address if you have been at your current residence for less than two years. Once you have entered the information, you will be asked additional multiple choice questions designed to ensure your identity. These questions can include past makes and models of cars owned, past addresses, names of family members, or others.

If, for some reason, you are not able to obtain your free online report, the website will explain additional criteria to be met or a request for further information. A form and an address will be given to you to print out and mail. After completing the form, providing additional information, and mailing it in, you will receive your free credit report in the mail within 15 days.

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