There are many reasons why you need to review your credit reports. Reviewing your credit reports can come handy in detecting identity theft as early as possible in order to take an action. To review your credit report, you need to get a copy of the report regularly. While you can pay for a credit report, it is now easy to get a free credit report from the government.
Why You Should Get a Free Credit Report From The Government
The Fair and Accurate Credit Transactions Act (FACTA) passed in 2003 allows every consumer in the United States to get a free credit report from annualcreditreport.com. Scammers are also aware that you can now get a free credit report and as you can expect, they have developed avenues to rip you off.
Of course, not all third party free credit report sites are scam. Some sites actually offer great services but it is better to stick with the government site for your safety. You should also beware of phishing; some unscrupulous folks are all out to trick you into giving out your personal identity number to them.
How to Get Your Free Credit Report From the Government
The three major bureaus which include Experian, Equifax, and TransUnion collectively provide three free credit reports, each from each of the bureaus. In other words, you can get a free credit report from each of the bureaus and a total of three free credit reports from annualcreditreport.com every 12 months or one year.
The free credit report is only available in annualcreditreport.com and cannot be accessed from the bureaus’ website. As a matter of fact, if you click the free credit report option in each of the bureau’s website, you will be redirected to annualcreditreport.com.
Note that annualcreditreport.com is the only government authorized website for free credit report in the United States. It is secure, safe and easy to use. You can get the free credit report online in the website, by calling annualcreditreport.com or by mailing them.
To get a free credit report from annualcreditreport.com, you will be required to provide personal information such as your name, address, date of birth, and social security number. These details are used to verify your identity in order to issue you the free credit report.
Why You Might Consider Other Sources
Annualcreditreport.com only issues three free credit reports to each individual once per year, each of the three free credit reports is from each of the credit bureaus. But sometimes, you may need a free credit report within the year after already getting the reports from annualcreditreport.com.
What do you do when faced with such a situation? You might want to consider other sources for your free credit report. Interestingly, you can get a free credit report from several other sources such as the bank, your state and some free websites. Before exploring free websites, it is best to talk to your bank and find out if they offer a free credit report.