Welcome to the Annual Credit Report Free Resource page, where we show you how to quickly get your credit report in the next few minutes.

First, here is the contact information for the top three credit agencies:

 

Equifax P.O. Box 740256 Atlanta, Georgia 30374 1-888-548-7878

Experian P.O. Box 9554 Allen, Texas 75013 1-888-397-3742

TransUnion P.O. Box 6790 Fullerton, CA 92834 1-800-916-8800

But the easiest way to find all your free credit reports is at the AnnualCreditReport.com website.

Should You Order All Credit Reports Today?

You are entitled to receive one free credit report every 12 months from each of the major credit reporting bureaus and it is entirely up to you if you wish to order all three credit reports at the same time or order one now and the others later.

If you decide to order all three credit reports at the same time you will be able to compare them along side each other. You would not be eligible for another free credit report for another 12 months. The advantage of ordering one now and others later, one credit report every four months for example, is that you can keep track of any changes or new information that may appear in your credit report file. So if you request yours from only one credit agency today you can still request from the other two at a later date. That way, you will have access to your updated credit reports every four months throughout the year.

What About My Credit Score?

Credit Scores can effect your financial health in huge ways. Your credit score is a number that ranges from 300 to 850. Most people’s score run between 700 and 750. The higher your number, the more likely you will have access to affordable credit and employment opportunities.

In other words, a higher credit score makes you seem less risky to a potential lender or employer. If your score is not where it should be, you should make an effort to improve your credit score before filling out any credit applications.

Did you know that a (30% or less) debt balance will quickly raise your credit score?

Your credit score is determined by the information that is in your credit report file. Credit reports list the particulars on all your credit accounts. Credit Reporting Companies list details about your bankcards, auto loans, mortgage and utility bills. They include the date the account was opened, terms, credit limits, loan amounts, and a seven year payment history.

Credit Report Checklist:

1) Get Your Credit Reports and Credit Score

2) Look for any inaccuracies in your file for:
     Your Name
     Social Security Number
     Current Address
     Previous Addresses
     Current Phone Number
     Marital Status
     Employment History
     A List of Your Credit Accounts
Payments Made and Current Balances

3) Be sure to file a dispute with any credit bureau that does not have accurate information in your credit report. You have a right to add an explanation to your credit report if any dispute is not resolved to your satisfaction.

4) Dings – every time you apply for credit, the lender will request a copy of your credit report. These inquiries will be listed for everyone who accessed your credit report in the last two years.

Look:

Our goal at Annual Free Credit Report is to give you the information you need for getting your free credit report and credit score.

We recommend that you first take a look at your report to see where you currently stand financially. Then return to this site to check out all our other exciting blog posts.

Important areas of focus on this site are to help you get out of debt, save more money, offer ideas for adding additional sources of income, and financial investment strategies.

Your Auto Insurance Rates May Be (Higher or Lower) Based On Your Credit History

Many of our articles show you how to clean up your credit report file, improve your credit score, offer identity theft protection tips, reviews on credit monitoring services, and investment strategies for building personal wealth.

What About Fraud?

If you find activity in your credit report file that’s not coming from you. You have the right to ask the consumer credit reporting companies to place a fraud alert in your file. This lets any potential creditors know that you may have been a victim of identity theft. Fraud alerts can make it more difficult for someone to get credit in your name because it tells creditors to follow certain procedures to protect you.

This may delay your ability to obtain future credit while the fraud alert is in place, that’s why your credit report annually is so important. You may place a fraud alert in your file by calling any one of the three major credit reporting agencies. As soon as that agency activates your fraud alert, it will notify the others to place fraud alerts in your credit report file as well.

These are the best free credit reports and they will certainly help you know where you stand financially today.

Now:

Most of all, as you move up the financial ladder you will begin to feel better, sleep better and walk with a swagger you haven’t seen in a while. Take action and get your annual credit report right now.

Get Your Annual Free Credit Report