Free Copy Of My Credit Report

Free Copy Of My Credit Report Related Information:

You would like to know how your credit rating is and you’re probably wondering “where can I get a free copy of my credit report”? Well in the US, as of January 2004, every person is eligible to request a free copy of his/her credit report. This is written into the laws of the country. All credit bureaus will be required to give out one credit report free per year, but this may not include your score. In order to obtain that you may have to pay for it, which will be approximately six dollars. You also need to keep in mind that these reports are only good for thirty days.

When you order your credit report, you do have to provide personal information such as your Social Security number and you date of birth. You will also have to answer a question that only you know the answer for. This is for security purposes and not for general information.

If you require more than one report a year, you will probably have to pay approximately twenty dollars for the second report, that is if you want your score included. There are a few exceptions to obtaining your free credit report as well, such as if you have been turned down for a loan, employment, or insurance within the last sixty days. Then you have to provide written proof of your turn down in order to receive your report. If you are charged any extra rates for fees or deposits based on a credit report, then you have a right to get a free copy from that bureau if you are on welfare or seeking employment.

When you obtain your free credit report you may wonder what all the numbers and symbols mean. There should be a separate key list included to help you with this. Give yourself time to study this and get familiar with the symbols and if you find you can’t figure it out then get a trusted friend to help you with it. It is important to review your credit record at least twice a year to ensure that everything is fine.