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Tip of the Day Consider Dropping Collision Coverage

Consider Dropping Collision Coverage - There comes a time in ever cars life where carrying collision as part of your insurance policy is just not worth it any longer. ...

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Credit Report Free No Credit Card Needed

Many sites are offering free credit report, but as you would latter come to realize these companies have a catch on their offer, when you enroll you will be directed to sing up page for service you never intended to have, which if you do not cancel you may end up being charged for it.

Well the truth is that the only place you can log in to get your free credit report is at annualcreditreport.com, this is the only site mandated by the Government to give free credit report, the site will not ask for credit card details only personal details and there your will have your credit report.

These site support the only three major bureaus that are mandated by the Government to give credit report to the credit consumer, these are-Equifax, Experian, and TransUnion. These companies are required by law to provide you a onetime free credit card report in after 12 months.

As mentioned earlier be aware of 'imposter' websites that claim to offer these reports, if you find an email or receive a phone call from someone claiming to be from these companies or Annualcreditreport.com, asking you to give your personal details, you should not reply the emails or better still hang up on them because no reporting company will ask for personal details at any one given time.

To get your free credit report you need to provide your name, address, Social Security Number, and date of birth, there is also a security question pass that each of the nationwide consumer reporting company may ask, a secret question that's known only to you, question maybe in regards to your monthly mortgage payment, mother's maiden name etc, each company may different security question.

Order your request for the free report online if you would like to access it immediately, if you order by calling or request email then the report will be mailed to you within 15 days of ordering, all these are subject to follow through if the reporting companies are satisfied with details of your information, There could be delays due to high volume of requests for credit reports, if that happens then you may resubmit your request.

It's provided under federal law, that if a company takes adverse action against you, such as refusing your application for credit, insurance then you may ask for a report within 60 days of receiving the notice of the action, this applies also if your are on welfare and are unemployed and plan to look for a job, or if the report is inaccurate either because of fraud, or identity theft. A reporting company can charge you up to $10.50 for another report.

Under state law, consumers in Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey, and Vermont already have free access to their credit reports. So before you decide to enroll in that site that offers 'free' credit report, first visit the true Government site and exhaust your true free credit report

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