Annual Credit Report

1 - I can do better 2 - Jury's out 3 - Pretty darn good 4 - Splendiferous 5 - Awesometastic by 2 people | Log in to rate

Ranked #14,366 in Business, #176,120 overall

Annual Credit Report

I am sick and tired of seeing all the free credit report ads and commericals every where I go.  The worst part is they aren't really free either.  They all have a disclaimer that says, registering for a monthly service required.  These "monthly credit services" all cost something and aren't worth your time and money.

Adverse Action Notice 

There are only two ways to really look at your report for free. If you apply for a loan and are declined you may request your report within sixty days of receiving the adverse action notice. The adverse action notice gives you details why you were declined. The banks decision can be based on several factors including your credit report.

Annual Credit Report 

The other way to receive your report is through the government website that allows you to request it from the three credit bureaus once a year. This is called the annual credit report at there website. The three credit bureaus are Experian, Equifax, and TransUnion. You can request your three annual reports all at the same time or you can spread them out over the year.

Helpful Aritcles about Annual Credit Reports 

Free Credit Report
Gives you more information about free credit reports and the annual credit report.
Fix an Error on Your Credit Report
Learn how to fix an error on your credit report. Tells you what to do if you find an error on your credit report.
Dispute A Charge On Your Credit Card
We explain the process of how to dispute a charge on your credit card.
Personal Finance and Credit Card Advice
Personal finance and credit card advice. We have several articles that will help you with your finances and choosing the right credit card.

Reader Feedback 

Lensmaster

michellesmithfoster

I relocated to Florida, because of identity theif in Arizonia. Now here it is 4yrs later and I have it again. Because my bag was stolen from my car underneath the passenger seat. I am try to get a credit report and I have to submit a credit card. Why? Also how can I get a free one I need to report what I did not do and it;s impossible it took me three yrs. to clear my name and it's only been one yr. I feel like a victim 3 times over.

ReplyPosted August 05, 2008