One way to get a free annual credit report involves going to AnnualCreditReport.com, filling out the online form, choosing from which of the three national credit reporting companies to receive the report and then reviewing the report upon receipt. Other ways of ordering a free annual credit report include calling a toll-free number set up by the credit reporting companies or by mailing an Annual Credit Report Request form to the Annual Credit Report Request Service, notes the Federal Trade Commission (FTC) website.Continue Reading
The Fair Credit Reporting Act (FCRA) tasks each of the national credit reporting companies, Equifax, Experian and TransUnion, to provide consumers upon their request with one free annual credit report every 12 months. The FTC is the enforcing agency of the FCRA. A credit report contains information such as a consumer's method of paying bills, his address and if he has filed for bankruptcy, according to the FTC website.
The following shows how to apply for a free annual credit report online.
Type annualcreditreport.com on the browser and then press enter.
Select and click on the Request Yours Now! Once on the page, click on Request your credit report button.
Fill out the required information on the online application form, click Next and then submit the form.