Annual Credit Report

Find Information on How to Get Your Free Annual Credit Report and Credit Score.

Experian Free Annual Credit Report

Annual Free Credit Report Program - The First and Easy Step to Getting a Mortgage

A must-see look at how easy it is to get your free credit report from the three top credit reporting agency.

Your Credit Report and Rating - Just Get ItYour credit history is one of the biggest factors to securing a home mortgage at the lowest interest rate and with best terms available. Why is it that we all know this fact but are hesitant to open that door and come face-to-face with our credit information?
Perhaps our biggest hurdle is the impression that getting our credit rating will be a difficult and time consuming process. You may be surprised to know just how easy and quick it is to get a free credit report. That may have just sounded like a sales pitch - I assure you - it is not. It truly is fast and easy.
You have seen the television commercials and online advertisements for numerous credit report online sites. Yes, these sites will help you get your free credit report but they will also try to sell you a credit monitoring service and other products. No doubt these sites are valuable tools for protecting your credit, but you can choose these services later. Let us keep it simple for now.
Annual Free Credit Report ProgramHere is all you need to do. Go to AnnualCreditReport.com. This site was created and authorized by the three major consumer reporting agencies, Equifax, Experian and TransUnion. It is THE official government-authorized website supporting the Fair and Accurate Credit Transactions Act (a federal law passed in 2003) which allows you to obtain a free credit report every 12 months from each of the three reporting companies.
How Easy it Really Is
The only information you will need to provide to AnnualCreditReport is:
  • Full Name
  • Date of Birth
  • SSN
  • Current Address
  • Prior Address (if at current address less than two years)

After entering the above information, you will choose TransUnion, Experian, Equifax or all three. You will be directed to each agency website separately. As you conclude each visit, you will be conveniently brought back to AnnualCreditReport where you can move on to another agency site or finish up.
Additional information required by the agencies is minimal. Experian only asks four easy multiple choice security questions.
With regards to which agencies to choose at this point, you may request all three right now or space them out over the year (perhaps you'll want to get one every 4 months or so).
The detailed credit report will be absolutely free. You can obtain your credit score for an additional (optional) charge of $7.95.
It could not get much easier. If you have ten minutes, head on over to AnnualCreditReport right now. Won't it be a great feeling when you can check that off your to-do list?

Article Tags: Free Credit Report, Free Credit, Credit Report

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