The possibility of being able to check your credit report online at no cost should be a good idea especially for people who have commitments that may hinder them from being able to travel the long distances to the credit bureaus' offices. The consumer reporting companies' head offices are situated in Atlanta, Georgia. Think of the inconvenience I would present to people residing in far off flanks of the U.S to get to Georgia just to have a credit report. The inconveniences that would be associated with such a move could have negated ay gains that would come from need of such a document.
Several people have fallen victim to internet scams from some unauthorized sites promising them the delivery of free online reports only to end up paying costs that they had not actually committed to paying for in the first place. Since several TV advertisements and other commercials cannot be strictly controlled by the free credit report system it is up to you to get the right information from the right place and at the right expense if any. As the situation stands, there is absolutely no charge payable to the government to get your credit report whether online or by postal mail. The right website to get your credit report detail is the government's own site annualcreditreport.com. From this site, you will get the postal address of the consumer reporting companies as well as all the telephone contacts and other details pertaining to this matter. At this site you can either fill your application then submit it online after giving all the required personal information or you could alternatively download the printable version of the form which is freely downloadable and fill it up and post to The Annual Credit Report Request Service, P.O.Box 105281, Atlanta, Georgia 30348-5281. This should see you receive your free report within a few days.
As much as we may be exited about online transactions, we should similarly be very cautious when dealing in such transactions, the consumer credit companies in conjunction with the annualcreditreport.com does not deliver your report online, you can apply for the report online but they in turn will deliver it to your postal address. Taking note of the fact that there are several fraudsters out there waiting to pounce on you at the slightest possible opportunity, you should be very careful especially if you get any pop up ads or soliciting mails purporting to be giving fee credit reports. You can never tell what the strange advert may be aimed at. The information required to process your credit report is mostly very personal and detailed and any smart crook may pull a fast one on you should you disclose the information to strangers. With the rapid increase in identity theft cases, you should be more cautious with your private information.