When consumers look for a annual gov credit report, they often find many websites that offer a free report if the consumer signs-up for a free trial credit monitoring service. This is a legitimate way to get a free credit report. However, you will have to submit your credit card number, and once the free trial expires, the company will start to charge you for their credit monitoring service. It is possible to cancel the service before they start to charge your credit card. Ofcourse you can get an annual free credit report as an alternative.
According to the Federal government, the three credit reporting agencies must provide all consumers with a free annual credit report. These can be found at annualcrediterport.com which is the only website that is authorized by all three credit agencies to offer consumers their free annual credit reports. When a consumer visits this website, they will have to answer a few questions to verify their identity. For instance, they will have to enter their social security number, and then they may have to answer a couple of questions about their credit history. Typically, these questions have multiple choice answers, and they ask things like which street you lived on in the last four years, which bank gave you your car loan or other things. These questions help prevent fraud.
After you have entered your information, you will be directed to the websites for the three credit agencies. These are Experian, Equifax, and Transunion. Most of these reports contain no credit score. Thus, if consumers wish to get a credit score, they should anticipate spending a little bit of money. The most commonly used credit scores as those issued by FICO (Fair Isaac Corporation). They create a score by collecting data from all three of a consumer’s credit reports, and they then place this data into their special formula.OR you can opt for free trial offers from a credit monitoring service. You can see your credit score for free during the trial.
Consumers who do not like to order reports online can order their credit reports by calling 1-877-322-8228, or they can download a form from the Annual Credit Report website. This form should be filled out and mailed to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. Consumers can order all three reports at the same time, or they can order a free annual credit report from each agency at different times in the year. If they opt to order one report every four months, they can monitor their credit over the course of a year, and they do not have to worry about signing up for a free trial credit monitring service. However, if a consumer opts to do this, they should be aware that not all three reports contain exactly the same information.
Getting a free annual credit report is easy for most consumers. However, most of these reports contain no credit score. Some states also require the agencies to notify consumers when potentially negative marks are added to their reports. They send a written letter to the consumer. The consumer can easily opt to return this letter and request a free report this way.