Free Credit Report - Get Hold Of Your Free Credit Report Today!

Did you know that you can get a free credit report? Your credit report is the document that records all your credit transactions.
It is what finance companies, banks and credit card companies use to judge whether you are a good risk.
If you've had difficulty getting a loan or a credit card it may be because you have a bad credit report.
What is the point of knowing your credit report you may ask.
If you can't get credit what can you do about it? Well there's plenty you can do.
Getting your free credit report can really help you turn the situation around.
It is a way of taking control of your financial affairs.
This is the starting point to improving your record score so that you can get loans.
When you get your credit report you can make sure that no one has stolen your identity and is running up bad debts in your name.
This was one of the main reasons the legislation was brought in.
The problem of identity theft is a serious one.
The Fair And Accurate Credit Transactions Act was passed in December 2003 specifically to prevent identity theft.
The FACT Act as it is known allows US citizens to see their credit report once a year.
They can check it for accuracy and have mistakes changed.
There are three credit reporting companies: Experian, Equifax, and TransUnion.
You can get a free report from any one of them.
They are all similar but are produced by slightly different methods.
You can go to the website of one these companies and apply for a free credit report.
They can be found at http://www.
experian.
com, http://www.
equifax.
com, or http://www.
transunion.
com.
Alternatively, you can visit http://www.
annualcreditreport.
com or http://www.
freecreditreport.
com.
Follow the instructions to get your credit report.
They will check your identity by asking a few personal questions just as your bank would.
But the process is not difficult.
If you find no problems then there is probably no need to get the other reports.
If you find problems then it is worth paying to see the others and correcting the mistakes.
Information that was once kept secret from consumers is now freely available.
This is a resource and you should make use of it.
It will help you to keep a good credit score and keep your finances in order.
Since this legislation came into force checking your credit report has become one of the basic tasks of personal financial management.
You may not have had your identity stolen.
The bad credit score may be all your own work.
But once you know what the damage is you can set about putting it right.
The worst thing you can do when the debts start piling up is to hide your head in the sand.