As a purchaser of merchandise in the United States, Uncle Sam decided back in 2003 that you are allowed to get a free anual credit report, so you can oversee your credit and your credit rating. The FACT Act was approved swiftly, so that each American could acquire a complimentary annual credit report and be permitted to see for themselves what the credit report bureaus were compiling
on them.

This is revolutionary in that people are now authorize to examine precisely what lenders see, and can correct any errors that are on the report, and watch over their credit to head off any mistakes that might hurt their merit as a credit risk. Before the passing of the FACT bill, the only individuals given access to this material was the banks and the credit report companies.

There are a couple methods you can go about obtaining a duplicate of your credit report. Number one, you can go right to any of the websites of the credit bureaus. These agencies are Experian, Equifax, and TransUnion. Their web addresses are www.experian.com, www.equifax.com, and www.transunion.com.

You will have to respond to several private questions and give verification of your identity based on some of the information on the credit file. Then the information will pop up directly on your computer screen, so you can carefully go over it, transfer it to your PC hard drive, and/or print it out.

The second way you have to obtain credit report online is to go to either www.freecreditreport.com or www.annualcreditreport.com. They will ultimately be directing you to the credit reporting bureau that you want, but they will be able to easily step you through the entire procedure of requesting your free annual credit report.

It is vital that you take full advantage of getting your free annual credit report yearly and check it closely for accuracy. Mistakes can happen, and they can affect the decisions of lenders when you apply for a line of credit or a loan. Just one blemish can make the difference between a yes and a no from the bank.

You will also want to scrutinize your free annual credit report for any info that does not apply to you. It can alert you to identity theft if you see that there are details on there that you never authorize, such as a credit card you never applied for or a loan that you never sought out.

The free annual credit report is a great tool for consumers to retain when it comes to their credit. Not exploiting it is a huge oversight, so go on and get your anual free credit report now if you haven't yet. It's the best thing you can do for yourself.

For more free tips on how to get your free anual credit report and techniques for correcting errors you find quickly visit www.WayToFixCredit.com.

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