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AnnualCreditReport.com Restaurant

Anyone can dance a jig, but only AnnualCreditReport.com provides you with a truly free credit report. Its the only authorized source to get your free credit report under federal law. Also check out freeannualcreditreport (freescorereportgov.com) and score options

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Credit Reports can be a Teaching Tool

If you have recently been denied credit or plan to apply for credit soon, it would be wise to obtain your credit report. You know that it is a document that is the foundation of a decision on whether you will receive credit.

You need to know that there are actually three major credit reporting agencies. These are: TransUnion, Equifax, and Experian. It is possible to receive a free copy of the report from each agency once a year. See freeannualcreditreport.com (freescorereportgov.com) for information on how to obtain the three copies. You need all three because differences may be apparent.

The reports will all contain a section with the usual identifying information such as name, address, social security number, etc. The reports will not have information about you personally such as race, assets, salary.

Lines of credit will be included such as balances, monthly payments, and credit limits. This section addresses credit cards, department store credit cards, mortgages, automobile loans, department store cards, gas cards. This will also cite dates accounts were opened, payment history (with late payments), unpaid child support, and overdrawn bank accounts.

The court system also provides information to credit reporting agencies. Such reported information will include bankruptcies, divorce, judgments, and liens.

Any time that you fill out a credit application ( credit card, loan ) there will be a credit inquiry to one of the bureaus. If you inquire for yourself, it will be on the report. These inquiries will remain for 2 years.

There is no problem if your credit report is positive. However, any true negative comments will stay on the report for 7 years. Bankruptcies stay on for 10 years.

It is highly recommended that we obtain and seriously review our credit reports to be aware of differences on each report, locate any and all errors. It is up to each individual to monitor his/her own credit profile, fix errors, and repair personal credit.

With never before seen challenges in the credit markets it’s more important than ever to have excellent credit. For more information check out Rob Kosbergs’ Detailed FREE Guide on Maintaining and Repairing your Credit Score by going to Bad Credit Repair for your FREE information.

Find More Freeannualcreditreport Articles

How To Order A Free Annual Credit Report: How to Fix Bad Credit Part 1

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To Request your Credit Report by Phone:

Call 1-877-322-8228
You will go through a simple verification process over the phone.

To Request your Credit Report by Mail:

Download the request form here: https://www.annualcreditreport.com/cra/requestformfinal.pdf

Print and complete the form
Mail the completed form to:

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

Your reports will be mailed to you within 15 days. Please, allow 2-3 weeks for delivery.

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