Great Advice For Free Credit Report Annual

Introduction

There are many ways of getting an annual free credit report without having to enter your credit card details. All this can be done online from anywhere. Knowing your credit rating is important because you will know whether you qualify for different types of loans, it could be a mortgage, auto loan or credit cards. In order for you to get your annual free credit report there are certain things that you may need to look out for.

Step 1

When you are looking for your annual free credit report, do not use every other website that you get on the internet. You can have your identity stolen and suffer for the rest of your life. You can use the three main credit agencies to get a detailed annual free credit report. With these three you will be able to see your repayment history for the past three years.

Step 2

You will also be able to see whether the details are true and correct. If not, then you need to let your creditor know as well as the credit bureau. The three credit companies are Callcredit, Equifax and Experian. You can find out more about them on the internet, but just make sure you have typed the names correctly in your browser.

Step 3

Your credit card information must be kept to yourself and must never be shared with every other website that find on the internet. Whenever you want to get an annual free credit report, whatever website you use, make sure you do not give out your credit card information. You want to protect your identity and make sure that your information is not going to be used for fraudulent activities. All you need to provide is your name and identity number.

Step 4

If you do not want to pay any fees for your annual free credit report you could consider signing up for a 30day free trial credit report. You will be able to see your credit rating as well as the score. You want to make sure that all records and entries are correct and up to date. You will be able to make informed decisions before you can apply for any credit. Make sure that you do not make multiple requests of your credit report as this may give a bad signal, it may seem as if some fraud is being committed.

Step 5

There basically three major credit agencies that you can deal with. they will provide you with your annual free credit report without having to pay anything. To be on the safe side, you should get a free report from the three main agencies, that is Experian, Equifax and CallCredit. At least your safety is guaranteed when you deal with these major agencies. The Data Protection Act binds these companies, so they make sure that the sensitive information that they keep is kept safe.

Tips

Getting a free annual credit report is therefore possible, as long as you use the three credit companies discussed above. Avoid as much as possible dealing with other agencies because some of them may not be as genuine as you may think.

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