Free Online Credit Report

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Free Online Credit Report – Knowing The FACTs About Who To Trust

Fact: December 1, 2004 marks the enactment of the federal law FRCA (Fair Credit Reporting Act), also called FACT (Fair and Accurate Credit) Act.

How does this impact you? You may be eligible for one free online credit report through the government central site AnnualCreditReport.com. Your one report comes through one of the three main CRAs (credit report agencies) – Equifax, Experian, and TransUnion. Once your region rolls out according to schedule, you may be eligible for another free credit report once every 12 months.

The best reason to request a credit report on a frequent basis is to combat the ever-increasing threat of theft identity. Close behind this reason is to stay on top of your credit record and correct or improve any flaws. Thanks to the cooperation of the “Big 3” CRAs, your chances of catching thieves or improving your credit has never been easier.

Not every credit report service is really offering free reports. Some gimmick or scam is usually tied into their offer. However, Annual Credit Report is truly offering your report for free. You have three options for getting your report: online, by mail, or by phone. An immediate report is provided when you file online. Experian also offers a free credit report service; however, not through its home site. You must visit Experian's FreeCreditReport.com to receive an absolutely free and instant credit report.

Scams are starting to appear online, requesting your secure information in exchange for this free report. Annual Credit Report does require information at the time of your request but only at that time. For your security, Annual Credit Report online will ask for your name, address, Social Security number, and date of birth. Annual Credit Report during this interview will then ask a security related question (such as your mortgage payment) in order to ensure your identity. Annual Credit Report will not send you an email or pop-up requesting further information.