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How To Get Free Credit Reports

By Expert Author: SusanMill

The recent changes in the economy have caused many people's bank accounts and credit scores to suffer. Unfortunately, I have many close friends as well as my parents, who had businesses go bankrupt and are now suffering from extra mortgage payments. A better way to get a handle on your finances is to obtain a credit report, preferably for free, that will give you a better understanding of your financial status and condition. It will allow you an overview of your credit and history so you can plan to improve in the future. There a few suggestions I have for anybody looking for a free credit report:
What keeps people from actually taking advantage of this terrific federal law? It seems that the only thing keeping them from clicking on the website or calling the phone number or even sending a simple letter in the mail is knowledge. No one seems to realize that these credit reports are available for free at any time, all it takes is a little initiative and filling out a simple form. The Federal Trade Commission or the nation's consumer protection agency, is assigned the job of enforcing the FCRA and making sure these Consumer Reporting Companies don't treat us consumers unfairly.

They are in charge of making sure to promote the privacy and accuracy of the information in the files of the Big 3 Credit Reporting Agencies. Your credit report contains information on where you live, how your bills are paid and even arrest records. The Fair Credit Reporting Act was established to help protect this private information, making sure it does not fall into the wrong hands.

However, it seems that we are allowed to at least view our own information to verify it is accurate finally.The Major Credit Reporting Agencies were required by this law to establish a website, a toll free number and a mailing address with information and links to obtain these free credit reports. To order, you simply need to fill out a simple form and submit it in whichever form you desire. It is not possible to simply contact the consumer reporting companies and request it, you must go through the correct channels to get the report for free.

You may order your reports from each of the three nationwide consumer reporting companies at the same time, or you can order your report from each of the companies’ one at a time. The law allows you to order one free copy of your report from each of the nationwide consumer reporting companies every 12 months.
Finding information about your credit or getting a free credit report can be a daunting task. Once you get it though, it will provide you incredible value and an opportunity to build a plan to improve your credit score. Getting my free credit report helped my financial situation greatly. I benefited from it and am now in a better place with the control in my life that I want. If you are on the fence, give it a try, you won't be disappointed. Check credit scores & reports today.

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Susan Mill

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