Free Annual Credit Report

This is a free anual credit report consisting of private information about your residence, the method you use to pay your bills, and other issues like if you’ve been bankrupt, arrested etc. This report is provided by the consumer reporting companies. In the United States TransUnion, Equifax, and Experian are the three major companies providing this report yearly. They give out these information to other companies in need of it, so as to process your employment, credit, insurance, loan etc.

There is always a need to order for your free anual credit report from the three nationwide companies because the facts there will help you to know what you’ll have to pay if you request for a loan. It is also important to request for your credit report so that you can monitor your credit account to prevent theft.

You can order your free anual report by visiting the site that has been provided by the nationwide consumer companies to be used for this process www.annualcreditreport.com. Fill the request form and your report will be sent to you. You are only permitted to request for one report each year from each of the three nationwide consumer companies this is in the Fair and Accurate Credit Transactions law. This means that you can get three reports from the three companies each year.

Fill the request at the site above provided necessary details about yourself like your name, address, sex, date of birth, SSN etc. You will be asked a private question about yourself as a security measure to ensure they are dealing with the right person. After this your free annual credit report will be sent to you. The online application is always the fastest since the report is given to you immediately, but every other method takes about fifteen days since your data will be processed and delivered to you. The whole process can take a longer time if they need some more clarification about your identity. With this process you can easily get your free annual credit report. There are other reasons that can qualify you for a report, like if your loan, credit or employment application is rejected. Apart from these, if you need an extra copy annually, you can buy the extra credit report copy from any of the three nationwide consumer companies.