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As a consumer in the U.S, Washington decided back in 2003 that you are entitled to receive a free anual credit report, so you can oversee your credit and your credit rating. The FACT Act was past quickly, so that each American could obtain a free annual credit report and be permitted to review for themselves what the credit report bureaus were gathering
on them.

This is revolutionary in that people are now permitted to review precisely what lenders see, and can fix any errors that are on the report, and closely monitor their credit to head off any blemishes that might harm their merit as a credit risk. Before the passing of the FACT bill, the only citizens allowed to access this information was the financiers and the credit report agencies.

There are a couple ways you can go about receiving a duplicate of your credit report. Number one, you can go directly to any of the sites of the credit bureaus. These agencies are Experian, Equifax, and TransUnion. Their web addresses are www.experian.com, www.equifax.com, and www.transunion.com.

You will have to answer a few private questions and provide proof of your identity based on some of the information on the credit record. Then the information will display directly on your computer screen, so you can carefully review it, download it to your PC hard drive, and/or print it out.

The second option you have to obtain credit report online is to surf over to either www.freecreditreport.com or www.annualcreditreport.com. They will ultimately be directing you to the credit reporting agency of your choice, but they will be able to quickly guide you through the entire procedure of inquiring about your free annual credit report.

It is very important that you take full advantage of getting your free annual credit report yearly and analyze it closely for correctness. Mistakes can be made, and they can influence the decisions of lenders when you apply for a line of credit or financing. Just one mistake can make the difference between a yes and a no from the bank.

You will also want to scrutinize your free annual credit report for any information that does not apply to you. It can tip off you to identity theft if you notice that there is stuff on there that isn't yours, such as a credit card you never applied for or a loan that you never asked for.

The free annual credit report is an excellent tool for consumers to retain when it comes to their credit. Not exploiting it is a huge mistake, so go ahead and get your anual free credit report now if you haven't already. It's the greatest thing you can do for yourself.

For more free tips on how to get your free anual credit report and techniques for correcting errors you find quickly visit www.WayToFixCredit.com.

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