Free Credit Report
What You Should Know Before
You Get A Free Credit Report
Many people are not aware that in law, they are in fact entitled
to a free annual credit report from each of the
3 credit report agencies. (You can learn more about
what credit reports or credit card reports are, here).
There are some online credit report sites that claim you can get
a free copy of your annual credit report. These websites often
make promises of being FREE if you to sign up for a
trial period. Once you have done so, if you fail to cancel
before the trial period ends, you will automatically be converted
to their paid service.
There really is no need to be drawn by these websites' many
extravagant free credit card report' claims. You can get
your credit report without any strings or catches; and the
only officially authorised website that can lay claim to being
able to do so under the Fair Credit Reporting Act (FCRA) program,
is annualcreditreport.com (US) and annualcreditreport.co.uk -
details are below.
Getting your credit report or credit card credit history has
never been easier. Legislation
in both the US and the Uk, give power to the respective
consumer protection agencies to enforce the Fair Credit Reporting
Act (FCRA). What this means is that this consumer 'watchdog' body
is responsible for ensuring consumer reporting companies do not
treat their consumers in an unfair manner. You can learn more about your right to challenge or dispute inaccuracies on your credit report.
Under (FCRA) there is now a requirement that the 3 credit reporting agencies -
Equifax, Experian and Trans Union, provide you with a website,
a toll-free number and a mailing address to enable you to obtain
a free copy of your annual credit report upon request.
As a result, these credit report agencies have established
a central website from which you can request a copy of your
free credit report UK or in the US, every 12 months. There is
absolutely no restrictions on who can order copies of their
credit reports, nor do you need to have any reason for
doing so, to see the nature of any credit card credit or other
credit information contained in your report.
All that is involved in obtaining your free 3 in 1 credit report
is to visit the credit reference agencies' central website, where
you request this by completing some basic details on a simple
credit report form. Alternatively, you can make your request via
telephone or post. You will not be asked to divulge any of your
credit card, credit or other sensitive financial information.
Order A Copy Of My Free Credit
You are allowed to order one free copy of your report from each
of the nationwide credit reporting companies annually. You may
order your free credit reports at once or alternatively, you
might prefer to stagger your order one at a time throughout
You must not contact the credit report companies directly yourself.
To get a copy of your no fee credit report US, visit:
annualcreditreport.com or call: 1-877-322-8228, alternatively,
you can complete the Annual Credit Report Request From and
post it to:
Annual Credit Report Request Service
P.O. Box 105281
You can also get a copy of the form here:
To get a copy of your free credit report Uk, visit:
13 High Cross
(You may contact them by email via their website:
The content on this site is purely for information purposes only
and is not intended to replace your seeking professional financial
Return From Free Credit Report To Credit Card Credit Home