Free Credit Reports: How to Find Them?

Share Free credit reports are easier to get than you think, it’s depends on how you're looking for it!

The laws governing the Fair Credit Reporting act have changed somewhat in the last 10 years and you may not be aware of the changes.

In other words , rather than obtaining credit score report over the credit bureau, one can bypass these charges and save some money in the process. If you know how, that is.

Find Out How:

You may have even heard of freeannualcreditreport.com. Try it, and you may be eligible to get one free report view each year.

Here is a list of common things to look for, and why you need a free report.

1. Do you know who qualifies for free credit reports? That’s simple; it’s someone who is legally allowed to view their credit report. If you have a valid SSN you are entitled to a free yearly report.
2. Do you know how un-often people check their credit score? It’s a lot. Credit scores are important, yet people overlook the fact that identity thieves are taking advantage of their good name, get this checked out with a free report!
3. Do you know that some jobs will not hire you if your credit is bad? It’s not that it directly affects your performance, it’s the fact that you maybe a liability risk if you have debts. Don’t look like a potential “thief”; get a credit report to get it situated. 
4. Do you find that credit companies are changing your interest a lot lately? It’s because your credit is becoming a risk. Don’t let your score lose you money.

Here is a list of common things to do to get a free credit report

1. Did you know you can get a free report if you are unemployed, and looking for a job as you speak? You just need to find a job within 60 days when you ask for this from the bureaus.
2. Have you ever rented a home, and when you applied you were denied? If you get a formal letter of denial you are entitled to a free report, just send in the denial letter.
3. Getting assistance from the state? Take the proof from the forms and send that in, this is another way to get a free credit report.
4. If you are a victim to identity theft, ask to look at your credit report. Credit agencies need to be on the lookout for these things, and are willing to work out a contact to help you fix this.
5. Like the land lords' denial, did you know that if you receive a further denial from a creditor, you have a right to a free credit report?
6. Paying for insurance, and even then getting a denial? Use it for what it’s worth, you are entitled to a free credit report even then, just send it in!

Free credit reports are easy to get, first you simply type in your information and follow the guidelines on the site's directions.

In another case, you can even check out the numerous hundreds of other credit reporting agencies, it’s an ever expanding business for people these days, so consider looking for them if you already went through your 1st ones. 

Lastly, if there was a company to recommend, we would recommend checking out Equifax.

Did you know the reporting company Equifax? Sure…it was a pain the past to get free reports, but now they are easing up on that, talk with them, even now you can get a free report from them.

It may not be much, but did you know Equifax at least gives you a free credit report view each year?

It’s their way of working with you in this modern day and age, but anything beyond that will require up to 10.00 for anything else so be careful.

Equifax is the best reputable company for credit reports; give them a go over Transunion and Experian if you need to get your first free report of the year.

Just remember, Its best to take care of this business yourself. Trust the experts at the credit bureaus!  Don't trust unknown Internet groups with your personal information such as your home address, date of birth, social security number or telephone number.

This just sets you up for identity theft.

Take action! Go make the calls and get your free credit reports in the mail today! 

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