It is true that we can get our credit reports free of cost. We do nt need to pay a single dime to anyone to get our credit report. Unfortunately, there are many people who do nt about it. They ultimately pay some money to their credit reports which they can get free of cost.
According to Federal law – The Fair Credit Reporting Act (FCRA), every American should be provided free copy of their credit reports whenever they request for it. You can simply get your credit report from all of three major credit reporting agencies. You can get your free credit report online – from your office or home depending upon your comfort.
If you need to know more about free credit reports, do a little search on the internet and study some free credit reports pages there. On the internet there are many articles sites and forums where you can know about free credit reports. With forums, you can participate in the discussion going on or you can ask your own questions about free credit reports or any related question.
6 comments:
I don not understand the "free credit report" because it is not free, they always ask for a credit card number.
By Fair credit reporting act, all citizens have access to free credit report. They can ask all of three major credit reporting agencies for free credit report once every year. And in case, they need to check their credit report frequently in normal circumstances, they have to pay credit agencies for this. But credit score services are not free. We have to pay some $ for getting our credit score from credit bureaus. One can get free credit report from www.annualcreditreport.com
This is your personal credit history, showing your loans, mortgages and other credit commitments, your repayment history and other information such as whether there are any court judgments against you. Lenders usually see your report before they decide to offer you a card and what interest to charge, so you should ensure that it’s accurate and up to date.
Annualcreditreport.com is the site where you can get all 3 consumer credit reporting companies to send you a credit report for free. If you mistype the name you will probably end up on a site where you have to pay.
Anyone else thinking of re-financing the mortgage at the new low rates this morning? I'm seeing some 5.30 APRs for 30yr fixed w/ 0 points.
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