Get Your Free Credit Report

Under an agreement announced on Wednesday the nation's major credit reporting companies will make on-line credit reports accessible to blind people's audio software. The program, scheduled to take effect by the end of the year, was negotiated by the American Council of the Blind, its California affiliate and the three largest credit reporting agencies, Equifax, Experian and TransUnion. How do you obtain free credit reports from the major reporting agencies, From the Federal Trade Commission: . The Fair Credit Reporting Act guarantees you access to a free credit report from each of the three nationwide reporting agencies - Experian, Equifax, and TransUnion - every twelve months. The Federal Trade Commission has received complaints from consumers who thought they were ordering their free annual credit report, but instead paid hidden fees or agreed to unwanted services. Don't be fooled by TV ads, email offers, or online search results .

Do not fall for it. In total, you are allowed three reports. Remember that each agency must provide you with one. When placing your request, you may choose to do one at a time or all of them at once. Just be sure to use that central source as it is the only way to make absolute certain that you get the credit report free. While the federal act providing for the annual free credit report is well-known, there are a few other ways you may get a free report.

• Minimal credit score - 450 to 580
• Superb credit score - 700 to 850
• Experience daily monitoring of your Experian, Equifax, and TransUnion credit reports
• Taking money advances charges better curiosity and added costs
• To be Able to Correct False or Inaccurate Information
• Approximately 7 million people became victims of identity theft in the past 12 months
• Victims now spend an average of 600 hours recovering from this terrible invasive crime

How can one get a free credit report, Free credit reports can be had on various websites. Annualcreditreport and Quizzle are both good places to look for a free report without needing to provide credit card information. Where can one get free credit reports, There are many different websites like Transunion and Equifax that offers free credit reports. You don't have to sign up for a trial membership of a credit protection service to get free copies of your credit reports. There a few one-stop websites where you can order credit reports from all three credit bureaus: Experian, Equifax, and Trans Union. It's easy. One site, Annual Credit Report, is even recommended by Consumer advocate Clark Howard as well as the Consumer Credit Counseling Service. By the way, your "credit report" is not the same thing as your "credit score." The reports will give your credit activity only - not your FICO score.

There are a few ways to obtain a copy of your credit report in Canada.

Check and see what you statute of limitations are in your state--you might have 2 yrs or you might have 15 yrs, depending on the state and type of debt. If the statute of limitations has passed, you still owe the debt, but the creditor cannot take any course of action against you (credit reporting, litigation, garnishment, etc.). What are the methods to request your credit reports in Canada, There are a few ways to obtain a copy of your credit report in Canada. The easiest way is to log onto Equifax Canada or TransUnion's website. If you do not have internet access you can mail in a request to the reporting agencies.