government approved credit report sites
Under the Fair Credit Reporting Act, you are entitled to request and receive a free copy of your credit report government once a year. The FCRA is to promote accurate information, held in privacy, consumer reporting companies by
Your credit report contains personal information such as your address, your bill paying habits, and status since the bankruptcy, arrest or any legal action against you. This information is of interest to companies who may be creditors, employers, insurers, lending institutions and homeowners, and the consumer reporting companies sell the reports to them.
There are several reasons why you might need for your report credit. If you intend to apply for a loan, get insurance or go for a job, you may want to ensure that information contained in your credit file is accurate and correct. Your report contains some information that may affect your ability to be approved loan and the cost of the loan for you.
Check your credit report each year is also a precaution against identity theft. Also, if you've been refused payment, your credit report could contain information that will tell you why this happened.
You're protected by the Act and have certain rights as well. At that time, there are three reporting agencies, consumer level National, but they are combined under one address, hotline and website. You have the right to request a credit report from each agency, once each year.
The site is www target = "_blank">. Annualcreditreport. Com; mailing address is ACRR, PO Box 105281, Atlanta. GA 30348-5281, and the phone number is 1-877-322-8228. You need to first request an application form must be completed and mailed or e-mail. The information you must provide on the application is your name and address, your Social Security number, date of birth and details of any change recent address or name. You may be asked some personal questions to identify you.
There are sites that claim to be able to obtain your credit report for you, but the only legal site and was serious annualcreditreport. Com, so do not waste your time with other sites. The scam sites may ask you to subscribe or sign up for something, and you'll usually end up paying money for nothing. Other sites direct you to another site where they try to sell you something related to credit. These sites have no access to credit reports.
The only Official Website will never send emails requesting personal information or money, so you can rest assured that your privacy is safe when you are your report request annual credit government.
About the Author:
For information and tips on credit report scores and my free credit report , visit Online Credit Report
Article Source: ArticlesBase.com – How To Get Your Free Government Credit Report
