3 Steps To Get Your Free Credit Report

It’s mandated by law through the FCRA (Fair Credit Reporting Act) that credit reporting companies send their clients a free copy of their credit reports. This is done every 12 months and to ensure that the information in the files of the credit reporting companies are accurate. Here’s how you can maximize its use to address your financial goals.

Using Your Free Credit Report: A Guide

Request your free credit report.

The federal law states that you can request for a free credit report once your company makes a negative action against you. The report must be requested 60 days upon receipt of the notice of action that the company sent you. The notice includes the name, phone number, and address of the credit reporting company. You can then request from them your free credit report and this can be done every 12 months.

Provide the required information.

You will be giving your name, Social Security number, address, and birth date. A previous address is also needed if you moved in to a new location just recently. You will also be asked to verify certain information on the account. Learn about credit cards for bad credit on

Wait when you can get your copy of the free credit report.

If you made your request online, you can access the report immediately. But if you requested via the toll-free number, you can receive the mailed copy within 15 days. However, do take note that this might take some time depending on the kind of information that the company needs from you in verifying your identity.

Be wary of any fraudulent activity involved in credit reporting transactions. You may file a complaint directly to the FTC in cases where you discovered the company is fraudulent. You can also buy a copy of your report through TransUnion, Experian, and Equifax.

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