"You have the right to a free credit report from AnnualCreditReport.
com or 877-322-8228, the ONLY authorized source under federal law.
" - FTC.
GOV Website

I want to start off by stating that I am not breaking this information.
But the truth is, at least from the folks I have talked to, there are a variety of people who do not know that they can access their report, 100 % free, with no strings attached.
And as a result, I believe it ought to be mentioned.
Your No Cost Report Is Government Mandated.
The FAIR CREDIT REPORTING ACT is the thing that ensures and also allows you access to your no cost reports.
The three national reporting companies are required to give you a credit report, totally free, every Year.
This happened due to a large amount of claims that consumers brought to the FTC.
Folks were complaining about the fact that they could not have their credit report completely free without having to sign up for added products.
Where To Look For Your Free Credit Report.
Just as the quote above states.
You are able to head over to the AnnualCreditReport.
com website, or call the toll-free number.
You can also request your report by mail should you so choose.
I never have personally called the toll-free number or even made a request by mail.
But I've visited the site.
For the most part, it is pretty straight-forward at first.
However, it is typically confusing when navigating through the unique processes for acquiring your reports through Experian, Equifax, and TransUnion.
Are The Recurring Solutions Worth The Money? There are lots of companies on the TV and around the internet that offer solutions associated with reports and credit ratings.
As with anything nowadays, quite a few are fantastic, several are good, and quite a few are bad.
If you're in the market for these types of services then be sure to do your research.
Take a look at as many as you can, look at what they offer, and see what they cost.
And of course, read the terms and conditions.
What Direction To Go If Paying A Monthly Fee Is Out Of The Question.
If you can't pay for one of the reporting services advertised on television or the web, why don't you get the next smartest thing? You could go to AnnualCreditReport.
com and acquire a report by each reporting company in one sitting.
But have you thought to spread them out? Due to the fact that you may only receive one report from a bureau per year, ask for 1 every Four months through a different company.
As an example, you could potentially request a report from Experian every Jan, Equifax every May, and TransUnion every Sept.
That would allow you to see your credit report 3 times each year.
Doing this will also enable you to detect any mistakes, or fraud, in your report in a 4 month time period rather than a 12 month time period.