BarbraHinton902

Most American's do not know, have never heard or don't care they are entitled to a "free credit report" once a year.

Why is it necessary for you to get your free credit report?

www.freecreditreportgov.co - In the event that you never check your own credit report, you have no idea, if or what, inaccuracies are present. There may be entries that have a critical impact on your ability to obtain credit, may sway your interest rates on credit cards and personal loans, and may prevent you from obtaining a job. If inaccuracies exist, under national law, you possess the right to have them corrected.

In the event you find your report includes wrong information, the agency must correct it.

If an item is incomplete, it must be completed by the agency. Examples include payments, no longer late, or if you had a bankruptcy 12 years ago, and it's still reported, you may request the agency update your report. Bankruptcy normally remains on your own report ten years.

In case your file shows an account that belongs to another person, one not authorized on your own account, it must be deleted by the agency.

There's only one website authorized under the law to manage and provide the free annual credit report application... annualcreditreport.com. Several other websites, attempting to make the most of the law, claim to offer, "free credit reports." The consumer has to be mindful; these companies aren't part of the program.

You do not need to sign up for this to be given a free report, if you do not want credit monitoring. These businesses supply a service for which they are making a fortune luring consumers to their website under the premise of receiving free reports. They'll give you a free report, but you have to supply your personal information to all and sign up for their service to have one.

If you do not desire credit monitoring, and you have to pay a monthly fee to get a free credit report, it isn't free.

To receive your free report, see annualcreditreport.com. By law, they're required to offer free annual credit reports exclusively through annualcreditreport.com.

You don't get your credit score, it's about $8.00 and may be obtained from the reporting credit agency. It is not a portion of your free credit report. Based on your own report, you can decide if you want to buy your credit score.

Most important, you'll know where you stand in relation to your credit worthiness in planning your current and future credit health.