Get your annual credit report at annualcreditreport.com
Posted on May 21, 2015 in Annual Credit Report
If you are looking to receive your free credit report there is only one website that you need to know about, annualcreditreport.com. Annualcreditreport.com is the only federally authorized website that will pull your free credit report from the three major credit bureaus as stipulated under the Fair Credit Reporting Act.
There are three different ways that you can obtain your credit report from annualcreditreport.com. The quickest and easiest way is to fill out your information right on their website. If you choose this method you will be able to access your credit history in a matter of minutes. The other ways of obtaining your credit report are over the phone or through the mail. While these are also viable methods, they will take some time for you to actually receive your report, usually up to two weeks.
There are many different reasons why you would want to pull your credit report from annualcreditreport.com. The most important reason why you would want to do this is so that you can stop identity theft in its tracks. By constantly monitoring your credit report you will be able to see when someone has opened any type of credit in your name that you did not authorize. By knowing this information you will be able to report it to the credit agencies so that it does not affect your credit score. Also, checking your credit report on a continuous basis will allow you to find errors within your report and get them taken care of right away so that they do not remain on your credit history.
Another reason why it is important to get an annual credit report from annualcreditreport.com is so you can monitor your credit rating. If your rating starts to dip too low you can quickly make changes in your spending habits that will allow you to bring your credit rating back into good standing. This will be important when you try to get a home loan or auto loan in the future. Lenders will use the information within your credit report to determine if you are eligible to receive a loan.
When looking to obtain your free credit report it is important that you do not fall for imposter sites. Annualcreditreport.com is the only website where you can receive your free yearly credit report as stated by the Fair Credit Reporting Act. Other websites that are very similar to annualcreditreport.com will try to charge you a fee for pulling your report. Make sure that you are not on a different website when you are looking for your credit history to avoid any future problems associate with an imposter website.