| Get Your Free Credit Report |
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| Written by Admin | |
| Wednesday, 10 October 2007 | |
Get Your Free Credit ReportAvailable to You By LawYou can now get a free copy of your credit report from each of the three main credit reporting bureaus once every 12 months, thanks to a 2004 amendment to the Fair Credit Reporting Act.Your credit report contains information on:
Many businesses report this information to the credit bureaus on a monthly basis, and the credit bureaus sell the information to:
These businesses use this information to determine whether they want to:
The information in your credit report also determines the interest rate you'll receive on loans and credit cards and the premiums you'll pay on various types of insurance. You should obtain your credit report from each of the nationwide credit bureaus because your creditors may not report to all three, so the information in each of your reports may vary. There are three nationwide credit bureaus:
How Do I Order My Free Credit Report? The three major credit bureaus have set up a central Web site, toll-free telephone number, and mailing address that you use to order your free credit reports.
The three credit reporting bureaus will not send you an email or call you asking you for personal information, so don't respond to such requests. They are probably scams. If you receive an email that appears to be from a credit bureau, don't click on any of the links in the email. If you receive a phone call, don't give out any personal information. Use only the Web site listed above.
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