Free Credit Report - How to get it

All of the 3 main agencies are obliged to provide with a free annual credit report. The rules allow for you to get one free credit score every 12 months.

You can access a central website where you can request your report from the different credit bureaus. You will have to get your free credit report through this site and not direct from individual agencies sites.

Because each credit bureau uses slightly different sources of information it is advisable to get a report from each so you can see what information is held with which agency.

The 3 Main Credit Bureaus are:

• Experian
• Equifax
• TransUnion

The information you will need to provide to get your free credit report is;

• Your name
• Your date of birth
• Your address
• Your national / social security number

If you have moved within the last 2-3 years you will need to provide the previous addresses.

You may be asked to provide specific information that only you would know, this is to keep reports secure.

Depending on how you have order your report will determine how long it takes to receive it. If you have ordered it online you can get instant access to your report, if you have ordered it by post it can take between 10-15 days to arrive. It can take longer if there is a period of high demand for reports.

Once you receive your credit report you may find it difficult to understand as it contains a mass of information about you and how you have managed your different credit agreements.We have put an article together to help you read and understand your report. If you print off this article and then sit down with you credit report you will soon start to understand how it shows your credit history.

To understand how to read your report once you receive it, see our article; How to Understanding your credit report.

If you are looking to fix bad credit the first thing you need to do is get hold of your credit report and check the information on it is correct.

Check out the best credit   Credit Repair Products   we have found to get instant help in repairing your credit score quickly.

Your Credit Report is so important as it is what every potential lender will look at before deciding on lending terms and rates.

If there are errors on your report then that can cause you problems!

You may have wrong information recorded against you which at worst can lead a lender to decline an application for a loan, or could mean you are being charged a higher interest rate than you should be. If you have any concerns about your credit report or score then you need to get hold of a copy of your credit history and check the information on it for accuracy.

Just go to the main Free Credit Report site and order your free copy now. You could then be making the first step to potentially improving your credit rating.

We have a Free Credit Report Blog that has up to date articles and comments on everything to do with Credit.