How to Get an Annual Free Credit Report

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By WriterGig
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Get an Annual Free Credit Report

Everyone can get an annual free credit report from each of the three reporting agencies -- Equifax, TransUnion and Experian. You can retrieve them all at the same time every 12 months, or spread them out over a year. Your reports are easily accessible online, and if you don't have the internet at home, you can obtain them from public computers at a library or internet cafe. It's important to monitor your credit report and score and keep your credit in good condition.

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Difficulty: Moderately Easy

Instructions

Things You'll Need:

Computer
Internet
Social security number
Credit account info

Your Annual Free Credit Report

Step 1

With your credit account and home loan statements in hand, go to the website of one of the three major credit agencies or the Annual Free Credit Report site.
Step 2

Apply for your credit report by entering your personal information, social security number, and the answers to any security questions, which usually involve your past addresses or monthly payment amounts on credit cards or mortgages.
Step 3

Make sure all information is correct, and submit the online form. You will instantly know if your credit report is available for free or if it's been less than a year and you need to pay to view it.
Step 4

Check your credit report for errors and to get an idea of how your credit looks to lenders and others who may pull it. You can purchase your credit score if you want to know exactly how you rate.

Tips & Warnings

Make a note in your day planner indicating the day you check your credit report so you have a record of when you'll be able to get your annual free credit report again.

Resources

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