Annual Credit Report

Why You Should Check Your Annual Credit Report

In law, everyone is entitled to obtain one copy of their free yearly credit report from each of the 3 major consumer credit reporting agencies - (whether this is Us credit reports or credit reports Uk). In certain circumstances, you may also be able to receive additional copies of your credit report for free.

Credit reports, (which are also referred to as credit history reports or credit card reports) are an essential aspect managing your finances. If you are using any form of credit such as loans, a mortgage or credit card credit, you must ensure you check your credit reports or credit card report every 12 months at least.

Your credit history report will contain important information that can affect whether your credit applications are approved and at what rate of interest. The content of your annual credit report can also have significant bearing on your ability to buy a home, to get a job or to obtain insurance etc., This applies equally to credit reports uk.

It is therefore essential that you obtain all 3 credit check reports to ensure the information they contain is accurate, up to date and complete.

What Information Is Required To Obtain My Annual Credit Check Report

To get a copy of your free annual credit report Uk, and free credit report US, you will need to provide your name, address, date of birth and your Social Security number - depending on your country of origin. You will also need to provide details of any previous addresses if you have moved within a period of time - usually two years.

There are three ways you can order your annnual credit reports. You may do this by mail, by telephone or via an online credit report request. You must ensure you provide all the required information to prevent un-necessary delays.

For your own protection, you will be asked a few security questions personal to you, such as your Mother's maiden name or the amount you pay on any outstanding loan agreements or credit card credit debts etc.,

How To Get My Yearly Credit Report?

To obtain your free credit reports from any or all 3 major credit reporting agencies, you will need to do so via the central, official website, visit: or This organisation alone, is responsible for providing you with your free annual credit reports (including credit reports Uk), so you don't approach the credit reporting companies directly.

via telephone - call toll-free on:- (1-877) 322 8228).

Via mail - visit: requestformfinal.pdf or: Simply print the credit report form there and then mail it to the address specified.

You can obtain further information on accessing free credit reports at: Federal Trade Commission's Facts for Consumers -

Alternatively, you can order your online credit reports from

Which annual credit card report order method is better? It is really down to personal choice but here are a few pointers that might help.

Naturally, if you order by telephone, post or via a credit report form, expect up to 2 weeks or more to receive your free credit reports - (allowing also for the timescale for your order to be received). If you choose to access your free annual credit report on line, you will gain quicker access. Annual Credit, will usually send you a security code via mail, which you use to access your free yearly credit report online.

A study published by The World Privacy Forum is food for thought. It suggests that consumers who are conscious about their privacy might find it better to order their credit reports by telephone or by post, rather than ordering on line. You can get more information on the study at:

The content on this site is purely for information purposes only and is not intended to replace your seeking professional financial advice.

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