The Easy Way To Gain Access To Your Free Online Credit
Report
When you apply for credit, those lending
you the money want to know if you are going to pay them
back. One way they decide if you are a good risk is to
see how you’ve dealt with other people’s money.
They find this information in your credit report.
Your
credit is reported to three main credit bureaus and these
bureaus then rate you. If you are planning to apply for
credit, it would seem that knowing what is being said
about you would be a good idea. This way, you can take
care of any problems and be aware of them before you begin.
It’s
Easy
Getting
your hands on your credit report is easy. All you need
to do is call the number of the credit bureau and follow
their directions:
Equifax
Options
P.O. Box 740123
Atlanta, GA 30374-0123
http://www.equifax.com
Experian
Consumer Opt Out
P.O. Box 919
Allen, TX 75013
http://www.experian.com
Trans
Union
Name Removal Option
P.O. Box 97328
Jackson, MS 39288-7328
http://www.transunion.com
However, it is even easier to do online. Simply go to
the listed website and get started. Here are a few things
you will need:
-
Full name – this includes middle, maiden, Jr.,
Sr., and III, etc
- Social
Security number – you must have one in order to
do this online
- Driver’s
license information – your DL number plus state
- Current
address and your address within the last five years
– if you have had more than one in the last five
years, you will need to have each of them
- Date
of birth
- Signature
– for online requests, you will have to type your
name and follow their instructions
- Home
telephone number
- Employer
– if you are employed
- Credit
Card or Debit Card to pay the fee – it is usually
$8 to $10
Coming
Free to Your Area Soon
Beginning
in December 2004, you will be able to get a free yearly
copy of your credit report. Then getting your credit report
will be even easier. Instead of having to go to the three
major bureaus, you will be able to go to a centralized
source with a toll free number or a website.
Schedule
for Phasing In Access to Free Credit Reports:
December
1, 2004: Alaska, Arizona, California, Colorado,
Hawaii, Idaho, Montana, Nevada, New Mexico, Oregon, Utah,
Washington, and Wyoming.
March 1, 2005: Illinois, Indiana, Iowa, Kansas, Michigan,
Minnesota, Missouri, Nebraska, North Dakota, Ohio, South
Dakota, and Wisconsin.
June
1, 2005: Alabama, Arkansas, Florida, Georgia,
Kentucky, Louisiana, Mississippi, Oklahoma, South Carolina,
Tennessee, and Texas.
September
1, 2005: Connecticut, Delaware, District of Columbia,
Maine, Maryland, Massachusetts, New Hampshire, New Jersey,
New York, North Carolina, Pennsylvania, Rhode Island,
Vermont, Virginia, and West Virginia, Puerto Rico, and
all U.S. territories.
Getting
your credit report online is easy and getting easier all
the time. It is in your best interest to check out your
credit reports yearly so that you can check for errors,
and recognize problems quickly enough to correct them.
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Wesley Atkins is the owner of http://www.credit-cards-advisor.com-
which aims to get you fitted with the best
credit cards to suit your situation. With numerous
credit card articles
and easy online
credit card applications you will never choose the
wrong credit card again.
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