| Since 2005 every US citizen is entitled to get a free | | | | Never get al three credit reports at the same time. |
| copy of their credit report from each of the three | | | | The intelligent thing to do is to ask for one credit |
| major credit bureaus, TransUnion, Experian, and | | | | report every four months. That way you will get a |
| Equifax. Detailed information on them can be obtained | | | | “fresh” credit report three times a year free |
| from the World Wide Web. | | | | from each of the three major credit bureaus. |
| Many people are now using the internet to obtain | | | | In case you need to check on your rights under the |
| their credit reports. It is an easy way to do so and | | | | FCRA and Fair and Accurate Credit Transactions Act |
| takes little time or effort. However, there exist | | | | log on to the link provided on the FTC website. |
| chances of getting scammed. So, as a knowledgeable | | | | According to the FTC free credit reports must only |
| consumer it is important to know how to get a | | | | be got through and the forms are available at or |
| credit report online without being scammed. | | | | request for a brochure. Consumers are requested not |
| Never fall for websites that spam you with credit | | | | to try and contact the credit reporting agencies |
| report offers or phishing websites. Try and get | | | | directly. |
| access to the real companies and not bogus | | | | If you request for a credit report online you will get |
| companies who offer a “free credit report” | | | | it immediately and via post within 15 days. In order to |
| and then request you for credit card and person | | | | get a credit report fast you must provide accurate |
| details and then mention in small hidden print that | | | | and complete information. Make the effort of |
| they will charge you after 30 days. | | | | verifying the information you fill, check the facts and |
| Get access to the major credit report generators | | | | figures twice. |
| through reliable sites like or . The other reliable source | | | | You will need to provide: |
| for authentic credit reports is the Federal Trade | | | | • Your name. |
| Commission. | | | | • Social security number. |
| Tips: | | | | • Credit card number. |
| • Ensure that your source for free credit reports | | | | • Bank details. |
| is authentic before revealing your private information. | | | | • Loan details. |
| • Get free credit reports from the 3 major credit | | | | • Tax return details. |
| bureaus Equifax, Experian, and Transunion. Use the | | | | Check the credit report your receive for inaccuracies |
| FTC website to get details and access to the three | | | | and ensure that the inaccuracies are corrected. |
| major credit bureaus. | | | | A credit report is like your reference or guarantee so |
| • You can also get reports by calling | | | | make all efforts to get and maintain a good credit |
| 1-877-322-8228. | | | | report. |
| Always check your credit report for inaccuracies. | | | | |