The joint website to get a free credit report is AnnualCreditReport.com, and it is the only one sanctioned by the U. S. government. Okay, so the national agencies aren’t giving you a free credit report out of the goodness of their hearts. The law mandates that credit reporting agencies must give you a credit report free every 12 months.
Step 1: Know yourself really well
Before the agencies will release any information to you, you’ll need to prove that you’re who you say you are. They’ll ask you some questions and give you multiple-choice answers. Some will be ridiculously obvious, and others might be close. And, they’ll sometimes throw a curve, and none of the answers will be correct.
Step 2: Maneuver Credit Report site
You can answer the call of the various marketers or go to the government sanctioned website. If you Google free credit report gov, it’ll be one of the first three results. Go to the website and select get my report.
Step 3: Complete a Form
You’ll need to fill in the blanks with information about yourself. This includes your name, current address, birthday and social security number. If you’ve lived at your current address less than two years, you’ll need to fill in your previous address. Oh, you also need to type in the Captcha Security word. This is to make sure you’re a human being and not a machine trying to steal other people’s personal information.
Step 4: Select Your Reports
You can choose all three reports or you can pick one or two. The cool thing about selecting just one report, is that you can check updates of your credit report throughout the year. For example, if you’re cleaning up your act, you can pick one report now and clean up any errors. A few months later pick another agency and if there are errors, get those cleaned up too. Then, a few months later pick the last agency. This enables you to see improvements in your credit history. Now, keep in mind that sometimes the agencies report slightly different things. This is the reason that you need to get free credit reports from all the agencies.
Step 5: Print or Save Your Report
You’ll have the option to save your report to a PDF file, or print it. Make sure you choose one of these options because once you exit from the report, your information will be gone. And, if you selected the three agencies, you’ll have to wait 12 months to get another report.