Did you know that you are able to receive a yearly credit report for free? That’s right. Every adult is able to apply for and receive a copy of their credit rating and report from each major “credit” consumer company. This is the law. There is no way around it.
Equifax, Experian, and Trans Union , which are the top three credit companies, are required to provide a yearly credit report once a year to each person.There are some simple steps to receive this information. You can only do this free act once in a twelve month period. It is important you are aware of scams and advertisements promising you the exact same thing for only a few dollars. Don’t fall into this trap. Instead take the time to get your yearly credit report and stay on top of what other creditors are reporting. It is important that you are aware of what is being reported. If there is information that is false you have the right to protest the incorrect information. You will need to contact through a documented writing your protest to both the company reporting the incorrect yearly credit report information and the consumer credit company.
So the next time you think about buying a vehicle or even a home and need credit ask for your credit rating. This will include important information and documentation. There are simple steps to getting your credit information. Locate the address of the credit company. The internet is a great place to do this. Write a letter asking for this information. You will be given the needed information to move forward. Make sure you know your social security number and any other personal info. Make sure your given fact sheet is filled out correctly and wait to get your free yearly credit report!