How to Check Your Credit Report For Free

Posted: 16 Aug 2008 | Categories: Credit

There are several simple ways for you to get a free credit report, and each one has its own advantages and disadvantages. Regardless of how you acquire it, the information in it is very important and it’s a good idea to monitor your finances often for errors and potential problems. In this article, we will talk about how you can check your credit report for free.

First, visit one of the many sites that offer free credit reports and request yours. This is often done in exchange for a 30-day free trial of a credit or identity theft monitoring service. You do have the responsibility of canceling that trial within 30 days or else you will be charged. Still, this gives you the chance to sample a new service for a month as well as seeing your report online. The major benefit of requesting your report online is that you can see it instantly which can be useful if you have an urgent need for the information.

Another way to get a free copy of your credit report is to write to the Annual Credit Report Request Service, P.O. Box 105281, Atlanta GA 30348-5281. In order to request your report by mail, you will need to fill out some short paperwork then wait 3 to 4 weeks to get your report through the mail. You can use this service once per year.

If you have applied for financing and have been denied you also have a right to see your report since the decision was based upon it. This also applies to a lender, employer, or insurer that has requested for your report. You are also entitled to a free copy of your report if you are collecting welfare or if you are unemployed and expect to get a new job within 60 days.

A high score and a clean credit report will help you get hired, get loans, buy insurance, find a good place to live, and obtain financing and loans when you need them. By getting a copy of your report, you will be able to see black marks on your credit quickly so that you can eliminate them. You can also deal promptly with the issues raised by identity theft. Don’t wait until you’ve actually been turned down for a loan, job or other opportunity to see where you stand.

Check your credit report for free right now… Click Here Now for links to the top online free credit report sites where you can instantly see your credit report and credit scores online.

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