How to Order Credit Reports As a Consumer
Consumer credit reports are produced by the three credit reporting bureaus: Experian, Equifax and TransUnion. Everyone is entitled once a year to free copies of all three reports compiled about them. Taking advantage of the offer is an important step in managing your credit profile. You can check for errors which may have a negative effect on your credit history. You can also check out areas where you can improve your credit rating.
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Instructions
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Log on to AnnualCreditReport.com (see the Resource section for a link).
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Select your state from the drop-down box. Click “Request Report.” Complete the application form carefully. Errors invalidate your application. Retype the alphanumeric security details into the adjacent box.
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Click “Continue.” Verify your identity and select the credit report you want to order. You can get all three.
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Click “Continue.” Enter a login name, password and password reminder. Click “Submit.” You have ordered your credit reports and they can be viewed online.
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Tips & Warnings
To order your credit reports by mail, select “Request report by mail” after you have selected your state. You can download and print the application form. The mailing address is on the application form. You can also get reports by phoning 877-322-8228. Have your Social Security number and other personal details nearby. You can also get your credit reports directly from Experian, TransUnion and Equifax. All usually charge a fee. Check the bureaus' websites for details: they may have special offers. Check your reports carefully. Report any errors in writing to the credit reporting bureau.
Use only AnnualCreditReport.com to get your free yearly reports. Many websites purport to offer a free report and ultimately charge.
References
Resources
- Photo Credit performance report image by Christopher Hall from Fotolia.com
