Absolutely Free Credit Report – How Can You Get One

Whether you need to apply for a loan or review your credit history before actually applying, you might be asking yourself, how do I check my credit score? Although the answer is at your finger tips, let us offer you a brief overview of the process before you request an absolutely free credit report. First, you should know that there are three consumer reporting companies in the United States Experian, Equifax, and TransUnion. These companies are approved by the Federal Trade Commission (FTC)and are commonly referred to as credit bureaus. These companies are required to provide you with a free annual copy of your credit report in accordance to the Fair Credit Reporting Act (FCRA.)

A copy of your credit report reveals what your credit score is. Ratings reflect your credit worthiness, so it is necessary to keep it in good standing. Review each item recorded in your report to find inaccurate information or missing payment reports. With your question still in mind, how do I check my credit score, remember that credit reports contain a statistical analysis of your credit data. This information is evaluated by lenders, employers and other non-financial organizations that need to access your credit history sometime, as in example, to authorize your subscription to a service.

Nonetheless you can only request an absolutely free credit report every twelve months through the only website authorized to fill orders, listed on the FTC site, or requesting your free credit report directly to the consumer reporting companies, although these gather the credit information from different sources and items reported may differ one another. In any case, the FCRA is committed to keep both privacy and accuracy in the credit bureaus’ files, so if you find errors in your credit report, dispute them for the sake of your good credit score.