Free Credit Report Guide

Dated: 10/02/2017

Views: 408

Free Credit Report Guide

Free Credit Report Guide

Are you getting all your free credit reports? You are entitled to get a free credit report from all three of the major credit bureaus once every year. 

Why you need to check your credit reports

It’s important to periodically check your reports to make sure everything is accurate and that there are no mistakes. The credit bureaus very often make errors, so you want to make sure they have everything right. Checking your credit reports is also the best way to check for any unauthorized activity. You may not even realize someone has gotten their hands on your information until you find an unauthorized bill or account in your name on your credit report. Identity theft and other mistakes can really mess up your financial life, so it’s crucial that you keep up with your reports.

Credit reports vs. credit score

Your credit reports include all the details on your credit accounts, including both current and closed accounts. Your credit reports track payments and other information for every loan, credit card and any other line of credit you have. Your credit score is a number based on your credit history and activity. Here’s a guide on what to know about your credit score, including how to get it and how to improve it.

How to get your free credit reports

Due to the passage of the 2003 Fair and Accurate Credit Transaction Act (FACTA), all Americans are entitled to one free credit report from each of the three major credit reporting agencies — Equifax, Experian and TransUnion — upon request every 12 months. There are several ways you can request yours:

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

  • Call me today to get started Vivienne Cunningham 321-231-8487  I will guide you through the process.

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