The federal law of US, has make it easier for the people as they can now enjoy a free credit report annually from the 3 major credit bureaus.
Who does not like free stuff? Have you ever tried to get a free credit report? Well, in this article we will discuss about the ways by which you can get a free credit report. You can get a free credit report from the FreeCreditReport.Com. But you have to register first! For this simply fill up the online form that will be provided to you. Some simple and basic information has to be filled up over there like: your name, address, credit card information, etc. You user name, password and personal information will be kept confidential and completely secured.
1 AnnualCreditReport.Com:
The federal govt. has passed a law which illustrates that a person should get his/her annual credit report from the 3 major credit bureaus for free. You can go to this site and collect your credit report easily. This is the best way to receive the govt.-mandated credit report for free. You do not have to contact the credit bureaus even. The same rule is also applicable for the commercial credit report.
2 What should you do if your credit has been turned down?
The federal law also illustrates that you can also get a free credit report, if you loan application has been denied by the recognized financial institutions. But, in such cases, you have to apply for a free credit report within 60 days of the credit denial. You can also get the necessary information from your lender too.
3 If you are looking for a job
If you are currently unemployed, then you can get a free credit report within 60 days before you job search. You have to contact the credit bureaus and inform them about your job hunt. They will send you a free credit report under the Fair Credit Reporting Act.
4 Receiving govt. assistance
If you are in welfare, you are also eligible to get a free credit report. Simply, you have to ask for a free credit report from the credit bureaus.
5 Identity theft
If you are suspecting that your identity has been theft by someone else, then you are also eligible for getting a free credit report.These are the several ways of getting a free credit report for yourself. It is also important to check the credit reports thoroughly, to avoid any possible errors.
Precisely What Is Credit Score Rating Supposed To Be About And Exactly How It Influences You
Are you aware of your true consumer credit rating? Do you know the genuine importance of it in your daily life? Discover just how your credit ranking affects both you and your family!Find Out How to Efficiently Supercharge Your Overall Credit Score
You should never ignore the significance of your credit score! Learn how low credit score can have a negative effect on your lifetime and what you can do about that.Rapid Unsecured Cash Loan for People Without Collateral
Found yourself inside a hard financial predicament? If you're wondering about obtaining financing, read this post to acquire more information about unsecured loans and why they may be your best way out of your fiscal challenge.