Instant Credit Report And How To Get Yours For Free

Instant Credit Report

An instant credit report can be yours for free. Don’t be duped by companies that tell you otherwise. They are just trying to take advantage of and make money from unsuspecting consumers.

You are actually entitled to a free credit report every year from each of the three credit reporting agencies – Equifax, Experian, and Trans Union. You can choose to get all three at the same time or if you’d prefer to space them out, you can get one from each individual credit report agency say every four months.

This isn’t such a bad idea as you can look at how your credit score is going every four months and pick up on any discrepancies soon after they occur.

To get your free instant credit report you simply go online and type in www.annualcreditreport.com.

You’ll be asked to select from a drop down menu the most recent U.S. state you’ve resided in. Then you will be asked for your name, address, birth date and social security number.

You can then choose which credit reporting agency you wish to get your instant credit report from – Equifax, Experian, and Trans Union. One is no better than the other, each having basically the same set of credit information about you.

Once you’ve made your choice, you will then be asked for more information from that particular credit agency in order to authenticate your identity.

Once you’re verified, you will be given access to your instant credit report. You can either download it to print or keep a copy of it on your hard drive, though I think it’s smart to make a hard copy and file it in case anything happens to your computer.