How to Obtain a Copy of Your Credit Report

Video Transcript

"Hi, my name is Julie Asti. I'm a certified financial planner with Asti Financial Management, and I'm here to tell you how to obtain a free credit report. When you go online, and you look to obtain a free credit report, be careful, because there are a lot of sites out there, that would propose to provide you with a free credit report, but what they tend to do is, they sign you up for, you get your free credit report, but they also sign you up for a credit monitoring service, which can run anywhere from ten to twenty five dollars a month, and unless you opt out, before the charges start, you'll be automatically enrolled into their service. The government has set up a way for you to truly get a free credit report. Each of the three major credit reporting agencies, Experian, Trans Union, and Equifax, are required to provide you with a free credit report every twelve months. The way that you can receive these credit reports, is to go to one source, which is called annualcreditreport.com, and that's a site that has been designated by the government, that you can go and truly get a free credit report. If you put in a request at that site, each of the credit reporting agencies, will send you a copy of your credit report. If they don't do this automatically, and they're not going to do it on an annual basis, you need to go each year to request a copy of your credit report, to make sure that there are no inaccuracies,there are no errors, and that all the information contained therein, is accurate. My name is Julie Asti. I'm a certified financial planner with Asti Financial Management, and you can learn more about my services, and my company, at: www.astifinancial.com."