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Tip of the Day Get a Better Cell Phone Plan

Get a Better Cell Phone Plan - Cell phones are so popular today you can customize your plan to suit your needs and if you have not updated your cell...

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Law Credit Report

Getting a hold of one’s credit report was once a rather difficult task, as credit reporting agencies were less than interested in releasing information to private citizens. Now, a federal law ensures a credit report is available to consumers at least once a year.

Thanks to the passage in the early 2000s of a new law, a credit report can be obtained online and free of charge by American consumers. All three major credit reporting agencies, Equifax, TransUnion and Experian, are now required by law to give consumers access to their credit reports for free once a year. By going to annualcreditreport.com, consumers can see what their credit report holds. All three reports can be different, so receiving all three is important to make sure your credit has not been adversely affected in a way that was picked up by one credit agency and missed by others.

For those who do not like using the Internet for such transactions, there are other ways how to get a free credit report. It can also be obtained by telephone by dialing a toll-free number. If the consumer calls 1-877-322-8228, they can receive the same credit reports they would receive online. Another method is to obtain it by mail. If the consumer contacts the Federal Trade Commission, they can obtain an Annual Credit Report Request brochure, which they can fill out and mail to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA. 30348-5281. The process will end in receipt of the same three credit reports, but will take several weeks to receive.

There are a number of other sites or companies that offer other methods of how to get a free credit report, but many are not telling the complete story. Many companies that offer their service as a way how to get free credit report neglect to mention that they will only allow the consumer to receive one of the three credit reports for free, and access to the others will cost them a fee. Others allow access to all three credit reports only after the consumer signs up for a “credit monitoring” service, which can cost $80 or more a year. These companies are not required to comply with the law on credit reports.

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Definition of the Day Relative Value

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