The Fair Credit Reporting Act of 2008 allows consumers to obtain their credit report free once a year. Prior to this new law, the three major credit reporting agencies - Equifax, TransUnion, and Experian - used to charge upwards of $9.95 per report requested. Under the law free credit report request forms are available at the web sites of the reporting agencies.
It is important to remember that the process to order your credit report free once a year can be cumbersome. There are a myriad of forms that have to be filled out and each form must be completed exactly according to the posted instructions. Failure to do so means the report will not be sent, or you might be charged additional fees.
Sometimes it’s worth establishing a relationship with a credit reporting company that can make obtaining a free credit report quick and easy. This is especially recommended if you intend to monitor your credit. And these days, everyone should be monitoring their credit.
If you desire to receive your credit report free once a year, a new centralized ordering system allows the request to be made online, by phone, or by mail. GoFreeCredit offers access to this centralized ordering system and provides easy to understand instructions for using the system to obtain your free credit report.
In addition, GoFreeCredit also offers a range of other services that can assist you in fixing bad credit, obtaining first time credit, and monitoring your credit to prevent identity theft.
Everyone should be monitoring their credit. It’s so easy these days for thieves to obtain personal information that can be used to hijack your credit and use it for criminal purposes. Whether it’s a stolen credit card, a social security number, or even just a date of birth, thieves can use this information to obtain credit in your name.
Protect yourself. Go to GoFreeCredit to obtain your credit report free once a year.
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Posted under Free Credit Report Once A Year
This post was written by admin on May 11, 2009
