How to Get a Free Credit Check Report Yearly Online

Obtaining your free yearly credit report is vital for ensuring that your information is as accurate as possible, and your credit score is as high as it can be, especially in today’s economy! Requesting a completely free credit check report yearly is quick and easy. Just follow these tips to get started, and you could be viewing your free credit check report within the next few minutes!

Difficulty: Easy

Instructions

1. Thanks to a recent federal law, American consumers now have access to free yearly credit reports. The Fair Credit Reporting Act requires Equifax, Experian, and TransUnion (the consumer reporting companies) to provide a free credit check report once every 12 months to anyone who requests it.

2. 
    
   Yearly Credit Report

   To take advantage of your yearly credit report opportunities, visit AnnualCreditReport.com and select your state from the drop-down box, then click on Request Report. After you enter your information, you are given the option to receive a free credit check report from all three credit reporting companies, or you can select one at a time.

3. The benefit of taking all three yearly credit reports at once is that you can compare them – but you can also stagger your free credit check reports by requesting one yearly credit report from a different company every four months. This way, you can easily and more frequently monitor your information to ensure that it’s correct, up-to-date, and doesn’t contain any fraudulent activity. If you are planning to stagger your yearly credit report requests, make a note of when you obtained your free credit check report, and from which company. That way you’ll know when you can request your next yearly credit report, and from whom.

4. 
    
   Free Credit Report Yearly

   Once you select your free credit check report, be sure to print a copy so you can refer to it later. If you notice any incorrect information, you can update your yearly credit report by visiting the Dispute link and entering in the details of what needs to be changed or updated. Possible anomalies that you may notice in your free credit check report include accounts that have been closed, but are still shown as open; credit cards you do not recognize; incorrect payment history; etc. Be sure to go over your yearly credit report carefully so you don’t miss anything that may need to be addressed.

Tips & Warnings

• Your free credit check report will not include your credit score, but you can purchase it for $8 from AnnualCreditReport.com if this interests you. Your credit score is based on information from your yearly credit report, and is used by lenders to determine your credit worthiness.
• Consumers never need to pay to access their yearly credit report. Websites like FreeCreditReport.com will allow you to look at your yearly credit report for seven days, but then will automatically enroll you in a credit monitoring service with a $15/month price tag.

Resources

• Free Credit Check Report Yearly from AnnualCreditReport.com

[nickjohnsonber]

on 11/27/2009 Great articles 5 stars for that information

Recently I've found a site that offer you to get free credit report and scores.This site also offer credit monitoring and credit fraud alerts, and they also can dispute your bad credit report.I thought I would help everyone here to share it.You should try it:

http://www.EliteCreditreport.Info

[Delaplane]

on 3/16/2009 great advice!

[geeboy79]

on 3/8/2009 Hooah!!! 5*

[rob654]

on 3/8/2009 goog info