Annualcreditreport.com is a website jointly operated by three US credit reporting agencies Equifax, Experian and TransUnion. This site was created to provide fair and accurate credit reports to the customers.
According to a provision passed by Fair Credit Reporting Act (FCRA) in 2003, credit-reporting agencies provide, upon request, a free credit report to every customer after a gap of 12 months. This was done to allow customers to get correct credit information and to guard against identity theft.
When you go to Annualcreditreport.com to get a copy of your credit report, you have to register there and have to provide the basic information’s like your name, address and social security number during the registration process. Then you will be sent to a credit reporting agency website you select where you have to answer few more security questions to confirm your identity before getting your credit report.
As a customer you can request the free copy of credit report from credit reporting agencies at a time or get it once from all of three credit-reporting bureaus a year. AnnualCreditReport.com site is accessible to the Internet Service Providers here in US and its territories. And using this service will not lower a consumer credit score.
You can request for a copy of your credit report via phone (877–322–8228) and you will receive your copy of credit report via mail within 15 days. You can also request it at annualcreditreport.com and you will have instant access to your credit report. You can also fill in Annual credit report request form by mailing to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281 and get your credit report via mail within 15 days.
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