How To Easily And Quickly Get Your Credit Report Without Being Ripped Off

Submitted by Anonymous (not verified) on Fri, 06/07/2013 - 10:00
Description: 

credit report lawyerThere are a million places to get your credit report. Let’s make it free and easy, shall we?
You know you need to check your credit report regularly so you hit the Internet in search of a site.
You can pay for the report or get it for free. But figuring out which site to use can drive you nuts.
In fact, a Google search for “free credit report” returns over 630 million results.
Here’s where to get your credit report quickly and easily.
Getting A Free Credit Report
If you’re in line for a free credit report, you can go to each of the nationwide consumer reporting companies (Equifax, Experian, and TransUnion) and get your credit report at no charge.
That’s like driving 35 on the freeway. It will get you there, but not quickly or easily.
To order your free annual credit report just take one of these three simple steps:

In order to get your free annual credit report you will need to provide:

  • your name
  • your address
  • Social Security number
  • date of birth
  • all previous addresses within the past two years

The website I listed is the only official one maintained by the three major credit reporting agencies under the federal credit reporting laws.  Any other site claiming to offer you a free credit report should be viewed skeptically.
Paid Credit Reports
If you can’t get your credit report at no cost, you’re going to need to pony up and pay some money.  A consumer reporting company is allowed to charge you up to $10.50 for a copy of your report. This doesn’t count any additional charges such as credit scores, which can cost more.
To pay for a copy of your credit report, you can go to any of the following places:

Which Credit Report Better, Free Or Paid?
There is no difference between a credit report from one of the above paid sites as opposed to one received from the free repository.
The free credit report site is maintained by the same companies that will sell you a report.
If you can get the free one, do it. And if you can’t, then you’ll need to pay.
 
How To Easily And Quickly Get Your Credit Report Without Being Ripped Off was originally published on Consumer Help Central. If you're seeing this message on another site, it has been stolen and is being used without permission. That's illegal, a violation of copyright, and just plain awful.