Easy-to-Read Reports Are for Your Wellness!

You may have heard about free annual credit reports and free access to credit reports many times, but what is that and how you can get them? Here you will get very detailed answer for all these questions, then this information will help you get maximum benefits and data from the free annual credit reports and prevent ID theft that has become extremely popular for the last years and every 79 seconds one individual turns in victim of the mentioned crime. You should be in know that every citizen of the US is entitled to free credit report every year from each of the three anions wide credit reporting agencies which include Experian, Equifax and TransUnion. Earlier people had to pay $9.50 for each report but in 2003 the Fair and Accurate Credit Transactions Act passed and resulted in such obligation for each credit reporting agency.

There are also some other opportunities when you have right to obtain a free credit report. If you have applied for a loan and got a denial, you can request a copy by writing the correct credit bureau within 30 days of the rejection but don't forget that you are to include a copy of the declined loan application with your request, otherwise you will be refused. In case you are unemployed and intend to apply for jobs within 60 days receiving public welfare assistance or you suppose that your credit report contains mistakes resulting from fraud or carelessness. And if you are a resident of Georgia, you are a lucky as you are entitled to two really free credit reports from each credit reporting agency.

Under the current laws Equifax, TransUnion and Experian are obligated to obtain an absolutely free credit report upon request once every year from a centralized source. This centralized source includes a web site, a toll-free telephone number and a postal address. Don't forget the word 'upon request' that tell that these reports will never be sent to you automatically, you should initiate the request in the mentioned ways. www.annualcreditreport.com is the only authorized source for consumers to access their free annual credit report online. You should be very careful and remember that this type of reports is absolutely free and if some companies would offer you your own report for money you are recommended to look further.

You can also call (877) 322-8228, this option is ideal for everyone who isn't Internet-savvy or just doesn't have this opportunity. You may complete the form on the back of the Annual Credit Report Request brochure, and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA, 30348-5281. remember that your free annual credit reports can be sent to you by mail, e-mail, fax, in person or online. If you don't fit the described requirements you can be charged but this sum will have much less importance compared to your wealthy future without ID fraud and mistakes in your credit report history. Take car of yourself and your credit reports, then very profitable credits and loans will be guaranteed to you.