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Obtaining Your Free Credit Report

By Ruth Racey
Published: Wednesday, December 23rd, 2009

Surely, there are a lot of consumers who are falling into the trap of overspending and mismanaging their respective finances. This is especially true to consumers who have been extensively using their credit cards every time they purchase items. Remember that spending using your credit cards is very convenient, for aside from the fact that you do not need to bring all of those cash; it is also true that you can actually spend beyond what you actually have.

In this case, truly, obtaining a copy of your credit report helps. This is because of the fact that your credit report actually shows a ton of valuable information regarding all you want to know about your credit account. Whether you want to know how much debt have you incurred, how have you paid your bills, or on how much interest rates you have been paying, your report all shows such information. It is a good thing that there is such a thing as a free credit report. As long as you know how to get it, and consult it regularly, surely, you can be able to manage your finances better.

There are a lot of commercials who actually shows companies that offers you a free credit report. However, it is also true that not all of these sites may actually give you such, and that most of these sites are even not authorized to give you your report. The thing is, most companies may offer you a free report, and would process it, but you would have to pay a certain fee before you can claim it. In addition, there are also companies who may have a free trial period, but would actually charge a fee after this trial period has elapsed.

One sure way in how you can get your free credit report is by obtaining it from the three large credit bureaus: Experian, TransUnion and Equifax. Remember that these three credit bureaus actually are required by the law to give you your free annual credit report. In addition, whenever you become victimized by identity fraud, especially in cases of credit card identity theft, you can likewise obtain a free copy of your report. In this case, all you have to do is either to mail them, to phone them, or to go through their websites. It is better to be sure than to be fooled by fake companies. Therefore, always be sure to get your report from these credit bureaus.

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