HOW TO GET YOUR THREE CREDIT REPORTS FOR FREE

The Federal Trade Commission of the United State of the usa has promulgated a law, which gives every owner of credit card to get his or her credit reports in at least once in a year. What the law states also stipulates that such reports needs to be collected totally free. So, subscribers of 3 credit cards can obtain their three credit reports from other agency, reporting companies or even customer reporting service without having to be charged with this. Even, the Fair Credit Reporting Act (FCRA) is at support of this as it has mandated every credit company to get a consumer reporting unit that’ll be giving out free copy with the report to the subscribe at least once annually.

There are many ways whereby you can obtain your report:

- You can request your 3 credit reports online by visiting the company’s reporting agencies websites. About five (5) basic questions about your credit information particulars is going to be asked and when you respond to them correctly, you can view your reports immediately. You can equally print a copy as well.

- You can equally request your credit information being sent to you by mail. There is certainly Annual Credit Report Request form (ACRRF) which you’ll have to fill and submit to the ACRRF agency office. You need to get a copy of the reports at least three weeks after your form has been received.

- So can also you make your request through phone calls? All three credit reports agencies have contact phones where their subscribers can call to investigate about their reports. Subscribers goes through some simple verification questions to ascertain their identities over the phone and once they’ve been confirmed, they will get their report delivered to them in three weeks time.
Where subscriber seems to have his free copy of his reports, he can still request another copy. The Fair Credit Reporting Act has promulgated that subscribers can request for another free copy of these 3 credit reports, irrespective of the time they got their last free ones. Re-order can be produced when people are faced with the next situations:

- If you, the consumer is denied credit facility from your employer, bank or insurance company as a result of information on your credit report they’ve got with them, you can contact that reporting agency that issue the are accountable to them and request for a copy to become sent to you. You’ve got a maximum of sixty days to make request once you have known about this.

- Where you might be defrauded or you have mislaid your credit cards, it is possible to request for your credit card statements if you aren’t sure of your credit situation.

- You can equally request free copy of your three credit reports if you get grants or the help of your state or government.

You can equally request free copy of your 3 credit reports if you get grants or assistance from your state or federal government. Click here to know more about 3 credit reports.