Free Government Credit Report – How To Get One
The Fair Credit Reporting Act, or FCRA, entitles you to a free government credit report every year. You are assured of the privacy and accuracy of information when you deal with the authorized consumer reporting companies.
Contained in your free government credit report is personal information like how you pay your bills, any arrests, bankruptcies or legal actions, as well as your full name and address. The consumer reporting companies authorized by the government sell these reports to people interested in your security risk when you apply for a loan or insurance, or as an employee or a tenant.
There are a few reasons why you would want a free government credit report. You might want to make sure the report contains accurate and factual information before you apply for a loan, for insurance or new employment, to make sure that there isn’t anything incorrectly in the report that could affect your approval chances.
Identity theft is a growing crime and checking the accuracy of your credit report helps to protect against it. If you have applied for, but been refused, credit, your credit report might hold information that was responsible.
You are protected by the Act and have certain rights as well. At this time, there are three consumer reporting agencies nationally, but they are combined under one mailing address, toll free number and website. You have the right to apply for a credit report from each of these agencies, once every year.
A good place to start is to visit the website – www. Annualcreditreport. Com, where you will find answers to any questions you might have and information as to how to apply for your report to be sent to you. You will have to fill in the usual information to identify yourself: name, birth date, address, SS number. You will need to give your past address if you have moved within the past two years. There may be extra questions asked in order to make sure you are entitled to get your report.
There are websites claiming to be able to get your credit report for you, but the only legal and genuine website is annualcreditreport. Com, so don’t waste you time with any other sites. The scam sites might ask you to subscribe or sign up for something, and you will usually end up paying money for nothing. Other sites direct you to another site where they try to sell you something related to credit. These sites have no access to credit reporting.
The official website will never send emails asking for personal information or money, so you can be confident that your privacy is safe when you apply for your annual free government credit report.
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