Free Three Bureau Credit Report

Obtain your free three bureau credit report right here or call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. The three major credit agencies are: Experian, Equifax, and Transunion but you don't want to contact them individually to request your annual free credit reports. The credit agencies are providing free annual credit reports only through annualcreditreport.com, 1-877-322-8228, and Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

You may order your reports from each of the three nationwide consumer reporting companies at the same time, or you can order your report from each of the companies one at a time.

In 2003, the Federal Government passed the FACT Act that allows for all Americans to have access to one free copy of each of your credit reports every 12 months.

Why bother to get a credit report from all three bureaus? The answer is simple. Businesses and creditors are not required to report to all three of the credit bureaus. They are not legally required to report to any of them if they don't want to. However, most companies will report to at least one of the three credit bureaus.

If you are serious about either keeping good credit or improving your bad credit, you as a consumer should request your free three bureau credit report so that you have a full and clear picture of where you stand when it comes to credt.

Once you receive your credit reports, you will want to take some time to go over them and make sure that the information is accurate. Even one mistake on your credit report can make a difference in your overall credit score and could get you denied for a line of credit or a loan.

If you do find a mistake, you need to dispute the error right away. Now the credit bureaus have made it real easy for you to dispute any inaccurate credit items online as opposed to writing a credit bureau dispute letter. But online disputing benefits them not you. My advice is to NEVER, EVER dispute online. Click here for more information on online disputing.

If you would like a credit consultation, just give us a call at 1-888-772-9673 and one of our credit consultants will contact you to review your credit reports.



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