on them.
This is groundbreaking in that people are now permitted to go over precisely what lenders see, and can fix any errors that are on the report, and watch over their credit to dispute any blemishes that might harm their character as a credit risk. Before the passing of the FACT bill, the only citizens privy to this material was the financiers and the credit report companies.
There are two ways you can go about receiving a copy of your credit report. Number one, you can go directly to any of the websites of the credit bureaus. These agencies are Experian, Equifax, and TransUnion. Their web addresses are www.experian.com, www.equifax.com, and www.transunion.com.
You will have to answer several personal questions and provide proof of who you are based on some of the information on the credit record. Then the information will appear directly on your computer screen, so you can carefully review it, transfer it to your computer hard drive, and/or print it out.
The second option you have to obtain credit report online is to surf over to either www.freecreditreport.com or www.annualcreditreport.com. They will eventually be sending you to the credit reporting agency that you want, but they will be able to quickly step you through the entire process of inquiring about your free annual credit report.
It is very important that you take complete advantage of getting your free annual credit report each year and analyze it closely for accuracy. Mistakes can be made, and they can affect the decisions of financiers when you apply for a line of credit or financing. Just one mistake can make the difference between a yes and a no from the lender.
You will also want to check your free annual credit report for any information that does not apply to you. It can alert you to identity theft if you see that there is stuff on there that you never authorize, such as a credit card you never registered for or a loan that you never asked for.
The free annual credit report is an excellent tool for consumers to have when it comes to their credit. Not availing oneself of it is a huge mistake, so go on and get your anual free credit report now if you haven't already. It's the best thing you can do for yourself.
For more free tips on how to get your free anual credit report and techniques for correcting errors you find quickly visit www.WayToFixCredit.com.
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