First of all, don't be fooled by those advertisements on television or websites claiming to give you a credit report totally free of charge. Most of these sites will offer you other services at an extra charge once you sign up for a free credit report. And, they will often redirect you to many other sites that will not only collect your personal information, but will try to get you on a contract for a trail period that you will be charged for if you don't cancel in time.
So, to get your credit report totally free of charge and free of scams, here are a few suggestions.
If you would like to order a credit report totally free of charge, go through the national credit reporting services Equifax, Experian, and Transunion- they are required by law to give you a copy of your credit report totally free once a year- which means that you can get all three copies from each of these credit agencies free of charge.
Upon receiving your credit reports, be sure to follow up on monitoring the legitimacy of your report as well as making corrections on any false or incomplete information that you find within your documents.
This will give you the chance to clear up any false or adverse actions taken against you by creditors. Being up to date on your credit report also gives you the opportunity to set up credit counseling for the balances that are in default so that you can repair your credit score.
You can either order a copy online or you can order through mail from the contact addresses that they provide on their websites, or you can call their toll free number and order by phone.
You also need to know that you can still receive a free credit report if you are not employed and are looking for work within the 60 days grace period; if you are receiving public assistance such as TANF, SSI, SDI, or other welfare funding; if your report has been subjected to fraudulent activity; and, if within the 60 day grace period you have been denied credit or employment due to your credit score.
Also, you will need to supply your name, current address, Social Security number and date of birth before you can be issued your once a year credit report completely free of charge.
In conclusion, do not be taken in by scams from other companies by their false ads or commercials for phony websites- go directly to the three sources mentioned in this article to obtain your truthful credit report totally free of charge.