As a consumer in the U.S, Washington decided back in 2003 that you are allowed to get a free anual credit report, so you can monitor your credit and your credit rating. The FACT Act was approved swiftly, so that each American could obtain a free annual credit report and be permitted to see for themselves what the credit report bureaus were gathering
on them.

This is groundbreaking in that people are now authorize to go over precisely what lenders see, and can fix any errors that are on the report, and closely monitor their credit to correct any mistakes that might harm their character as a credit risk. Before the passing of the FACT bill, the only individuals privy to this information was the financiers and the credit report agencies.

There are a couple methods you can go about receiving a copy of your credit report. Number one, you can go right to any of the websites 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 give verification of who you are based on some of the information on the credit file. Then the information will appear 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 way you have to obtain credit report online is to go to either www.freecreditreport.com or www.annualcreditreport.com. They will eventually be directing you to the credit reporting bureau that you want, but they will be able to quickly guide you through the entire procedure of requesting your free annual credit report.

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

You will also want to scrutinize your free annual credit report for any info that does not apply to you. It can alert you to identity theft if you notice that there is stuff on there that isn't yours, such as a credit card you never signed up for or a loan that you never sought out.

The free annual credit report is an excellent tool for consumers to have when it comes to their credit. Not exploiting it is a huge oversight, so go on 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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