How to get them

How to get them

Getting that extra credit report isn't as easy as getting your first one, however. Your initial free report should come from AnnualCreditReport.com, the official government-mandated site for obtaining free credit reports. A few clicks on that site and you're set in just a few minutes. The second one isn't so simple.

Residents of the seven states that allow extra free reports must contact the three major credit bureaus to request their reports. Each bureau features a different process:

    Equifax: Visit www.Equifax.com/fcra. After filling out the name, address and Social Security number fields, check "Free State Credit File (not denied)" under the "Reason for Credit File Request" header.
    Experian: The "Check Credit Report" page on Experian.com requests that consumers call (866) 200-6020 to confirm their eligibility and to request their extra free credit report via snail mail. The automated phone system uses the caller's area code to identify the location, then provides options based on where the person is calling from.
    TransUnion: Visit TransUnion's "Learn More About Getting Your FACT Act Free Credit Report" page. On that page, click the link that says, "Learn more about obtaining a free credit report if you meet one of the above conditions." On the next page, click "Yes, I am eligible" next to option No. 4. You'll then be taken to a page where you can select your state of residence so you can get your free report.

Credit reports requested online are available immediately and are encrypted for security reasons, says Rod Griffin, the director of public education for Experian, based in Costa Mesa, Calif. Reports requested by telephone take about seven to 10 days to reach consumers by mail. Mailed reports do not include information that would be dangerous in the wrong hands, such as the consumer's entire Social Security number.Deed that supererogatory credit report isn't as easy as deed your kickoff single, withal. Your primary for free report should get from AnnualCreditReport.com, the validated politics-mandated website representing annexing for free credit piece. A meagre clinks on that website and you'system establish in conscientious a uncommon minutes. The s single isn't so simple. Residents of the vii kingdoms that own additional for free accounts should middleman the deuce-ace hefty credit dresser to petition their article. Everyone office facets a dissimilar mechanism: Equifax: Call web.Equifax.com/fcra. Aft filler away the discover, speak and Group Asset numeral ground, stop "For free Society Credit Document (not disaffirmed)" below the "Instigation representing Credit Document Request" coping stone. Experian: The "Analyze Credit Report" leaf on Experian.com demands that consumers ring (866) 200-6020 to corroborate their eligibility and to inquiry their actor for free credit report via escarp send. The automatic call manner make use of the announcer's domain principle to denote the address, so dispenses possibilities supported on where the citizen is trade from.