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Why to obtain a free credit report

By Ruth Racey
Published: Friday, May 14th, 2010

Having a good credit rating is very important for people who take loans or make a lot of payments by credit cards. A free credit report helps you understand where you stand and what you need to do to improve your credit rating. This article will tell you how to obtain a free credit report safely.

What is The Purpose of a Genuine Credit Report?

A credit report is basically a document that elaborates about your payment history, balances, payment behaviours and listings of your various financial accounts. This report is not a credit score but your credit score will be calculated through your credit report. This important report should be checked periodically to ensure that all the entries are correct and no mistakes are made. Any mistakes in the report should be corrected immediately so that your credit score is not adversely affected.

Where Can I Get an Authorized and Free Credit Report?

All Americans are entitles to one free credit report each year. The only three companies that can send you a credit report are TransUnion, Experian and Equifax. In order to get your free credit report you will need to contact an authorized source that issues free reports to consumers. While there are many companies that claim to be genuine the only company that is actually authorized to give out free reports is

How Do I Apply for an Annual Credit Report?

You will need to manually apply each year for these reports. The first way to get your free and authorized report is to log on to and apply for the free report. The Second way to get your free report is to call the number (877) 322- 8228 and ask for a report. The third way to get your report is to fill in the form that is on the back of authorized brochure for requesting Annual Credit Report and mail the form to the written address.

A credit report is very useful for people who want to know about their financial accounts and payments. This report is also useful for people who want to apply for loans since ordering this report will ensure that you can check for inaccuracies and get them corrected before applying for a loan. While applying for one of these reports it is crucial to remember that you give your correct mailing address if you want to prevent the report from falling into the wrong hands.

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