Free report credit Phoenix

Do you want a copy of your credit report, and not have to use a credit card? Did you know you can obtain a totally free credit report from each of the three credit reporting agencies annually? By federal law, (and by some state laws), you are free report credit Phoenix entitled to a free credit report, from each of the credit reporting bureaus, on an annual basis. In order to provide consumers with their free credit report(s), the official site which was created is: www.annualcreditreport.com (By clicking on this link, a new browser window will open, and you will be taken to the free report credit Phoenix secure website for Annual Credit Report) The free credit report(s) youll receive, contains all of the information relative to your credit history (past and present). It may also contain current and/or former employers. Your credit report will list all of your open accounts, such as mortgages, loans, and credits cards. It will show your outstanding balance (as of a certain date), and it will also show accounts you have, with zero balances. A credit report also show any derogatory entries on your credit history, i.e. garnishments, judgments, bankruptcies The process youll go through at the Annual Credit Reports website, entails first entering the name of your state.

After entering the name of your state, click Request Report. free credit report canada online

At this point (step 2), you will be directed to a page which requires you to fill in your personal information. This information includes your name, address, birth date, social security number. If youve free report credit Phoenix lived at your current address for less than two years, you must fill in your previous address.

During the process, youll also be asked two security questions-questions free report credit Phoenix that only you know the answer to. Following this step, you will decide which credit bureau (Equifax, Transunion, or Experian), you would like to receive your free credit report from. You can get a free free report credit Phoenix credit report from each credit reporting bureau, so its up to you whether you free report credit Phoenix want all three at once (so you can compare them), or obtain a credit report from the remaining credit bureau(s), at a later date. request a free credit report I began with Experian, and was directed to their site. Once on their site, the information I had typed in on step 2, was already entered on their form. During this free report credit Phoenix process, I was asked if I wanted to purchase my credit score, plus other credit information. I opted not to buy any other credit information at this time. I got to my credit report, free report credit Phoenix and on the left side of the page, were links to click on.

I clicked on each one, reviewed my credit free report credit Phoenix information, and continued on. At this point, free report credit Phoenix you can also choose to view your credit report online for the next 30 days, or not. You can also print each page of your credit report. The Annual Credit Report website has a section for Frequently Asked Questions, Fraud Alert and About Us.

These sections are worth reading, before filling out your information.

When studying your credit report, this is the time free report credit Phoenix to check if there are any discrepancies in the information. Credit reports can reveal if youve been a subject of identity free report credit Phoenix theft. If youre in the process of applying for a loan, this is the free report credit Phoenix same information the lender will be looking at. Note: Your free annual credit free report credit Phoenix report does not contain your credit score. find credit reports In order to get your credit score, you will have to dish out a few dollars. To read more about credit scores, check out a previous article of mine FICO Scores, How Are Yours? And, if youre in the market to refinance your home, I wrote the following article: Refinancing Your Home Take advantage of these three, free, annual credit reports.

Remember, each person has their own credit report and credit score. Get your free annual credit report at:www.annualcreditreport.com Annual Credit Report does not ask for a credit card. When obtaining your free credit report(s) at Annual Credit Report.com, the only time you will be asked to provide your credit card information, is if free report credit Phoenix you opt to purchase additional credit information.