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Free Credit Information - How to Get Free Credit Information Online

report reports score equifax

The information in your credit file is extremely important and plays a vital role in many different aspects of life. This valuable information will be used to evaluate credit card applications, establish insurance rates, property rental and even employment eligibility. Therefore, everyone should regularly check their reports for accuracy, as inaccurate information can cost the consumer money with higher interest rates. It also is important to monitor your credit activity for any unauthorized activity that might indicate identify theft.

Under the Fair and Accurate Credit Transaction Act (FACT) passed by Congress, every consumer is entitled to one free report every 12 months from each of the credit reporting bureaus. The three credit reporting bureaus are Experian, TransUnion, and Equifax.

While there are companies that offer free credit reports, many will give you a report only if you buy other products or services from them. Authorized by Experian, TransUnion, and Equifax, AnnualCreditReport.com is the ONLY official source for the free annual credit report that is rightfully yours by law. You can request your free report online, by phone or by mail. If ordering via the website, your credit report will appear instantly online and remain available for 30 days. It is highly recommended that you print a copy of your report right away.

In addition to your credit report, you should regularly check your credit score. Credit scores usually range from 300 to 850, and have a huge impact on the interest rates you will be offered. The best interest rates will be offered to those with a score of 700 or above. Any score below 620 is considered a poor credit risk. You can purchase credit scores with your free annual report request for $5.95 to $7.95 each. It is important to remember that while an annual credit report is free, credit scores are not.

If you already viewed your free annual credit reports this year but would like to see your credit reports again, you can always purchase your credit reports and credit scores online. You can request all three reports at once or order one report at a time by visiting the websites of the credit reporting agencies.

The Experian request process is very easy, as all you have to do is answer a few questions. Your credit report will be viewable in a few seconds. Experian charges $5.95 for your credit score. You can call 1-888-EXPERIAN to contact their customer service department.

The TransUnion ordering process is not quite as easy as the other two credit bureaus. You will need to create a username and password, and will need this information for any future requests from them. TransUnion charges $5.95 for a credit score. Their customer service can be reached at 1-866-744-8221.

The Equifax ordering system also is very easy to use, but be warned that their website offers credit monitoring and other products. You are not required to purchase any of these products, either to get your free report or subsequent paid reports and scores. Equifax charges $7.95 to get your credit score. Equifax customer is 1-800-525-6285.

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