How To Check Credit Free

Introduction

Each of the three major credit bureaus which include Experian, Equifax and Trans Union are require to provide you with a free access to your credit report once a year. This requirement to check credit free is from the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act. 

Step 1

first, to check credit free you have to visit www.annualcreditreport.com. This is the only way to check credit free by getting a free credit report. According to the federal state commission this is the official website. By following instructions on that official website you could be able to access up to three official free credit reports. This is therefore the key to a free credit check.

Step 2

The second option to checking credit free would be to call the toll free number for each credit reporting agency. This requires you to check credit free by phone. There is a verification process which needs to be complete. The free credit check report is mailed out within 15 days and requires an allowance of three weeks for delivery. This is a good way to check credit free as it allows for verifications and clarifications.

Step 3

Another way of check credit free is by downloading and printing the request form from www.annualcreditreport.com.The form should be filled completely then mailed to a specific mail address. Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA, 30348-5281.This free credit check takes approximately 30 days to receive which includes 15 days to be sent and about two weeks to be delivered.

Step 4

You can also receive a free credit report and check credit free if you are unemployed and you are planning to look for a job within 60 days. This is appropriate for fresh college graduates and retrenches who require to check credit free as they continue with their job search.

Step 5

One can also get a credit check free if in addition to your once a year allowance a company rejects or takes negative action including denying an application for a loan, insurance or a job. In such a situation one needs to request within 60 days after receiving the notice.

Step 6

Another way one could check credit free is by visiting www.creditkarma.com which is a free credit check website. This website works by highlighting the belief that everyone should have access to free credit checks and that it is a fundamental consumer right. From this website one can check credit free at whatever time and wherever they require them even if its on a day to day basis. The website has a wealth of tools and content to help consumers better understand how credit scores and credit reports work. Their main goal is empowering consumers to more actively manage their credit and their financial health.

Conclusion

In trying to check credit free one needs to be careful of fraudulent websites and e-mails which claim to be offering free credit checks but charge hidden fees for their services. One should therefore exercise a lot of care and only use the official websites to get legitimate free credit checks.

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