Get Reports Free From The Credit Bureau

Free credit bureau reports are available every 12 months to people in the United States.

How to Get Your Free Credit Bureau Report

The credit report that you are entitled to every year can be found online. All you have to do is visit the site, enter in your personal information for identification purposes and you will have access to all 3 of the credit reporting bureaus. These 3 bureaus are Experian, Equifax and TransUnion.

Through these free credit bureau reports, you will be able to obtain information about who is reporting on your credit, the status of the reporting, when the last time they reported, credit bureau scores and more. You will also be given the chance to dispute and errors on the report.

Errors can include name, address, phone contact, wrong account information and more. You can dispute these items by using the forms online or sending them in by mail.

Why a Free Credit Bureau Report Is a Good Idea

Obtaining a free credit bureau report is a great tool to have for many reasons. The main reason is the linking point that you need good credit to get financed. Whether you are looking to get financed for a personal loan, home, credit card or more, you will need to have a solid credit history to back you up. If you do not, you will either not get the credit extended or you will get the credit with a high interest rate, annual percentage rate (APR) or unnecessary charges.

Credit takes time to not only establish but also fix. If you are in the situation that you need to make corrections on your credit report after you view it, the shortest length of time where it can be corrected is 30 days. In most cases it takes 60-90 days to reconcile even one mistake or misreported information.

In the event that the credit line is timely, you will find yourself in a bad situation if you pull your report at the last minute. Even if you do not foresee yourself needing a line of credit in the immediate future, it is best to take care of the problems now than wait until a later date where you might run out of time.

Credit Bureau Identity Theft

Be cautious of sites that promise free credit reports. This could be a ploy to lure you in where you submit your personal information. In this case, the people on the other end can now steal your identity.

If you are in the situation where you have been a victim of identity theft, you will need to report it to one of the 3 main credit bureaus: Equifax, Experian, or TransUnion.  Once you notify one, they will notify the others. This usually is done in a 24 hour turnaround time. By doing this the credit bureaus will flag your account and the creditors will be required to personally call you before issuing credit. By reporting to the credit bureau you will also be opted out of the pre-approved credit offers.

Obtaining your free credit bureau report is easy and hassle free. It is also very important, offers information and allows you to plan ahead.


View all 3 of your FREE Credit Scores

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