How do I obtain a free credit report, most people may not be aware that this readily available choice and that in the US its one that is backed by the law. Free credit report are readily available from the three major consumer credit reporting companies, all you need for these request is you initial personal information keyed in on the only authorized government authorized website to offer for these kind of service and that's the annualcreditreport.com. Provision has it that one is only a one time free access to his credit annually, you will be charged for following requests after a request may cost you about 10 dollars.
These site will never ask you to provide your credit card details, all sites that claim to offer free reports and latter redirect you to a page that ask for these details are imposter sites, if you find yourself in one you need to close it immediately because you may end up buying a service or a product you never intended to have in the first place.
The consumer credit reporting companies have a centralized database, these databases are updated daily with credit consumer information, these information is submitted on daily basis from banks, credit unions, courts etc. If you have ever taken any credit from any major institution be rest assured that you make up these list.
The three major independent credit consumer reporting companies are Equifax, Experian, and TransUnion, these three are charged by the law to operate on the capacity they do.
When requesting for your free report make sure that you send request to these major credit reporting companies, its been proven that information on one may vary from the other in that it may be incomplete, so one is advised to get all copies from all three of these companies.
A credit report has in it all your details and credit score ratings, check for any errors, errors may be as slight as miss pelt name, or omitted figures, just be on the know that every slight information does count on these document, a miss pelt name may be an alias name for someone else, in these case that would mean that's not your document. Also omitted or added figures may have a whole implication on your score ratings, look keenly for these. A consumer has a right to dispute any incorrect information. If you have disputes write a letter to the reporting company and attach a copy highlighting the information you dispute then send it, they should be able to answer within 30 days after through investigation has been done, as there response to you they will send new rectified free copies and a written report on the investigation.
Your credit record is your lifeline in these new age financial market, any information in it means a great deal to your financial wellbeing, handle it with at most respect these information may make you or break you.