Credit agencies are expected by the law to issue their clients with a free copy of their annual credit report. However, to order for your free annual credit report, you must take the following steps to avoid becoming a victim of credit report scam:
Request for your free annual credit report online – this is the easiest way to request for your free annual credit report. However, before entering personal information to order for the credit report, you should make sure it is the correct website.
Request by the phone – when requesting your free annual credit report by phone, remember to go through the verification process to confirm your identity. In this way of request, the report is usually mailed to you within two weeks.
You can request by mail – credit agencies accept mail request of credit reports. However you must first download the request form then send it after filling it with the required information. Remember also to address it to the right postal address to avoid misrouting. This also usually takes about two weeks after reception of your request.
Other ways – credit agencies are also required by law to post a disclaimer that informs their clients about the truth on their free annual credit report. This can also be an avenue to request for your free annual credit report.
Click here to order your free annual credit report.
Improving your free credit reports and scores takes time and one should learn to be patient with this fact at hand. It is likely to turn even worse if you try to fix such a problem in a hurry hence putting you and your finances into a more complicated situation than before. The best way to rebuild and improve your free credit report and scores is to manage your report through your finances responsibly over a period of time. In this industry one has to play cards to be able to survive. Here are some of the cards you may need to play to improve your free credit report and scores.
When ordering for your free annual credit report it’s important to go to the correct website, use the correct address and contacts.