Introduction
www.annualcreditreport.com allows consumers to obtain a free copy of their credit report from each other the three credit reporting agencies. It is the law that all consumers are allowed to obtain this report for free from www.annualcreditreport.com. The site is not difficult to use, you simply enter your personal information and request reports from all three agencies. You can not only make your request online, you can also request over the telephone or through the mail. Ordering online at www.annualcreditreport is the fastest and easiest way to obtain the report. You are able to instantly view the report in most cases. When you order over the phone it takes a bit longer as the reports have to be sent out to you through the mail. Requesting through the mail takes the longest as your request has to reach them, be processed and sent out again.
History
In order to begin your quest at www.annualcreditreport.com you will first be asked to enter some personal information. This will include your name, address, telephone number and social security number. You will then have the option of getting your report from one, two or all three of the credit reporting agencies. It is wise to order all three.
Click on the name of the first credit reporting agency in the list. This will take you to the website where you can see your report. Once you are at the website, you will be asked a series of questions. These questions are used to ensure that you are who you say you are and that you are getting the correct report. These questions may be which company you have your mortgage through, or who you financed your car with. You may also have questions about previous addresses and employers.
Once you have answered the questions, you will be shown your report. Look it over, you can also print the report which is a good idea.
When you done with the first report, click the button that says take me back to www.annualcreditreport.com. You can then visit the second credit reporting agency and then the third.
Features
From time to time you may run into a problem where one or more of your reports cannot be viewed online. This may happen because the questions that you answered do not match up to what is on the report. Or there may be some other error. In this case, you will be given a telephone number to call in order to have your report mailed to you. This most often happens due to an error and is nothing to worry about.
Once you receive all of your reports, you cannot get another free report from www.annualcreditreport.com until a year has gone by. The only way to receive another free credit report is if you are denied credit from a lender or turned down for a credit card. Anytime you are denied credit, you have the right to see your credit report.
Tips and comments
When you receive each credit report from www.annualcreditreport.com be sure to look over the reports. You will want to be sure that all information is accurate. There may be errors in your report. These errors should be disputed so the credit reporting agencies can determine if they are indeed errors. If they are, they will be removed from your report.
You can dispute errors while you are online looking over your reports. The agency will then have thirty days to investigate the disputed items and render a decision on whether they are accurate or indeed errors.
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