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The Easy Way To Gain Access To Your Free Online Credit
Report
When you apply for credit, those lending you the money want to
know if you are going to pay them back. One way they decide if
you are a good risk is to see how you've dealt with other
people's money. They find this information in your credit
report.
Your credit is reported to three main credit bureaus and these
bureaus then rate you. If you are planning to apply for credit,
it would seem that knowing what is being said about you would be
a good idea. This way, you can take care of any problems and be
aware of them before you begin.
It's Easy
Getting your hands on your credit report is easy. All you need
to do is call the number of the credit bureau and follow their
directions:
Equifax Options P.O. Box 740123 Atlanta, GA 30374-0123
http://www.equifax.com
Experian Consumer Opt Out P.O. Box 919 Allen, TX 75013
http://www.experian.com
Trans Union Name Removal Option P.O. Box 97328 Jackson, MS
39288-7328 http://www.transunion.com
However, it is even easier to do online. Simply go to the
listed website and get started. Here are a few things you will
need:
# Full name - this includes middle, maiden, Jr., Sr., and III,
etc
# Social Security number - you must have one in order to do
this online
# Driver's license information - your DL number plus state
# Current address and your address within the last five years
- if you have had more than one in the last five years, you will
need to have each of them
# Date of birth
# Signature - for online requests, you will have to type your
name and follow their instructions
# Home telephone number
# Employer - if you are employed
# Credit Card or Debit Card to pay the fee - it is usually $8
to $10
Coming Free to Your Area Soon
Beginning in December 2004, you will be able to get a free
yearly copy of your credit report. Then getting your credit
report will be even easier. Instead of having to go to the three
major bureaus, you will be able to go to a centralized source
with a toll free number or a website.
Schedule for Phasing In Access to Free Credit Reports:
December 1, 2004: Alaska, Arizona, California, Colorado,
Hawaii, Idaho, Montana, Nevada, New Mexico, Oregon, Utah,
Washington, and Wyoming.
March 1, 2005: Illinois, Indiana, Iowa, Kansas, Michigan,
Minnesota, Missouri, Nebraska, North Dakota, Ohio, South Dakota,
and Wisconsin.
June 1, 2005: Alabama, Arkansas, Florida, Georgia, Kentucky,
Louisiana, Mississippi, Oklahoma, South Carolina, Tennessee, and
Texas.
September 1, 2005: Connecticut, Delaware, District of
Columbia, Maine, Maryland, Massachusetts, New Hampshire, New
Jersey, New York, North Carolina, Pennsylvania, Rhode Island,
Vermont, Virginia, and West Virginia, Puerto Rico, and all U.S.
territories.
Getting your credit report online is easy and getting easier
all the time. It is in your best interest to check out your
credit reports yearly so that you can check for errors, and
recognize problems quickly enough to correct them.
Wesley Atkins is the owner of http://www.credit-cards-advisor.com-
which aims to get you fitted with the best credit cards to
suit your situation. With numerous credit
card articles and easy online credit card
applications you will never choose the wrong credit card
again.
MORE RESOURCES:
Clock ticks down on credit bureau class-action dealIndianapolis Star, United States - 44 minutes agoIn a class-action settlement, credit bureau TransUnion has agreed to provide free credit- monitoring services to millions of consumers to settle claims it ... |
MORE COLLEGE CREDITChicago Sun-Times, United States - 10 hours agoDespite the current nationwide credit crunch, the State of Illinois secured $100 million for the student loans by tapping a new source -- credit unions. ... |
Credit - Google News
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