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Free Credit Report - Be warned

Oct 13, 2007
You want a free credit report but have heard of people being caught out will Scammers and want to find out the best on the eye out to avoid these pitfall. Or you may be interested in what other information is important to know when accessioning your free credit report.

Credit reports are essential now days, they not only help you get valuable information on your financial history but they also enable you to check status of these records and correct nay incorrect information.

You also need to know what is the best way to access your report, you may be asking if you only need to get one or is it best to get a credit report form all three of the main American Credit report bureaus? As you can see there is a few things you need to consider.

From 2003 it was written into law that all Americans can access a copy of their credit report for free but only once every twelve months. You need to take advantage of this and make sure you get a copy via the internet, mail or call up and order one. It has been recommended by many recommended consumer sites that you should get a copy of your report more often then just once a year. The main reason for this is that when you take out a loan or get a credit card the lender needs to report this information to one of the 3 main credit bureaus - TransUnion, Equifax, and Experian - but they only have to report it to one so what if you choose a copy of your credit report from one of the other credit bureaus? well you won't get the correct information.

Why it's necessary to get a credit report form all three credit report bureaus multiple times a year?
Not only will you have access to all your credit report information from the 3 bureaus and can cross reference between all three of them you also have the chance to correct any incorrect information, this is more common then you think and will stay on your recored form life, to give yourself the best possibility of getting a loan and on a good interest rate you need to ensure this info is correct.

Because information reported on your report comes in a different times to the different bureaus it is highly recommended that you first get the 3 copy of your report at the same time then get an individual copy form each of the bureaus every four months, this way you can be assured you have all the information you need on your credit report - but you need to keep doing this each year.
About the Author
Find online bad Credit Report at Credit-Reporter.net .
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