Where can I get a free copy of my credit report?
If you’re a legal resident in the United States and you’re wondering “Where can I get a free copy of my credit report?”, then don’t fret the answer is here. The good news is that as a U.S. citizen you’re entitled to receive a Free Credit Report. You can do this once per year from the leading credit reporting agencies: Experian, Equifax and TransUnion. This is a consumer privilege under the Fair and Accurate Credit Transactions Act (FACT Act).
Now you can keep your money in your pocket and Get Your Free Credit Report No Credit Card Required. This Free Yearly Credit Report is directly organized courtesy of Experian, Equifax and TransUnion – so you can relax and be confident that this is a legitimate source to receive your 3 free credit reports.
When you receive your credit report, you’re legally entitled to dispute errors and mistakes that you discover. Be Advised: It is the ultimate responsibility of the creditor to provide written proof that you have outstanding debt with them. Creditors have a limited amount of time to prove that the debt is in fact yours (generally about 45 days after you file your dispute). If they can not confirm that you owe the debt within the set time frame, then their negative reporting must be removed off your report. That’s credit law!
Another reason to check your credit report is because there could be outdated items in your profile that should have been erased already. As a general rule, bad credit items items are supposed to drop from your credit profile after a period of 7 years and 10 years for bankruptcy. However, in some instances this fails to happen like it should. See your Financial Profile.
You can request your Free Credit Report at http://AnnualCreditReport.com. BUT before you do there are other details you should know about your credit profile that extends further than simply asking the question “Where can I get a free copy of my credit report?” Visit: free credit report no credit card required for complete details.