Government Mandated Free Credit Report - How to View Your Annual Free Credit Report Online - Who to Call for Your Free Credit Report

Free annual credit report government mandate. Ordering your credit report is the first step towards credit repair, and now you can view your credit report online - free.
Government Mandated Free Credit Report - How to View Your Annual Free Credit Report Online - Who to Call for Your Free Credit Report"Government Mandates Free Credit Reports for All Consumers
The federal Fair Credit Reporting Act (FCRA) requires that U.S. consumers be entitled to a free credit report each year. The government’s goal is to make sure that consumers stay informed, fight identity theft, and get fair treatment.
In the past, not everybody was entitled to a free credit report. Instead, consumers had to pay or qualify based on certain activity within the credit report. Some states required that residents periodically be entitled to a free credit report, but it is now nationwide.
How do I Get my Free Credit Report?
The nation’s credit reporting agencies have teamed up and built a website that you should use to get your free credit report. The site is https://www.annualcreditreport.com/cra/index.jsp. You can also call them at 877-322-8228 and request your free credit report.
Contacting the Credit Agencies Directly
You can also call the major credit agencies directly and ask about a free credit report. However, the FCRA-mandated “Annual Free Credit Reports” are only available through the website and phone number above. In other words, you might have to pay if you contact a credit agency directly.
I cannot overemphasize that the only way to get your annual free credit report is by using the organization above. If you go any other route, you may have to pay or subscribe to a private service.
What Information do I Need for a Free Credit Report?
You’ll need to be prepared with your name, address, Social Security number, and date of birth. You’ll also need any prior addresses from the past few years. Finally, you’ll be asked to disclose something that only you know (like the amount of a given payment, for example) as a security measure.
When Can I See my Free Credit Report?
In order to manage the process, availability is only available to certain regions at certain times. As of September 1st, 2005, the entire nation has access to a free credit report.
If your region is up and running, you can see your free credit report instantly online (at https://www.annualcreditreport.com/cra/index.jsp). If you use the toll-free number, it may be 15 days or so until you receive the report. "

Obtaining your credit report is the first step to credit repair. Don't hesitate, order your credit report now to determine if there are errors, or fraudulent items listed.

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