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Free Credit Report from Government

Updated on June 25, 2010

Have you ever wondered what’s in your credit report?  Most people have no idea what resides in their credit report.  Every time you open an account such as credit cards, bank accounts, or a loan, your credit report is pulled by the company that is checking your credit.  If you have good credit, then the company would allow you to open an account.  If not, they would deny your application.  Therefore, it is a good idea to check your credit report often so you know what goes on your file.  If you happened to forget paying a bill a long time ago, you can pay it off so that the negative mark goes off your file.  Also, checking your report every now and then is good for catching any signs of fraud.  Scammers have been known to use your social security number to open up accounts.  In some cases, they even use your credit to buy houses. 

There are three major credit unions that offered credit reports.  They are TransUnion, Equifax, and Experian.  Several years ago, if you wanted to check your credit report, you would have to pay a fee to one of each credit union to see your report.  But now, you don’t have to pay a fee anymore.  The government has mandated that the three credit unions give consumers one free credit report every year.  In answer to the mandate, the three credit unions created a joint free government credit report website where consumers can go get their report. 

Go to the joint website and fill out your personal information in order to request a free credit report from government.  When you are filling out the request, you can choose to get a free report from all the credit agencies or you can pick one.  The best way to do this may be to pick one of the agencies.  That way you can get another free report from another agency a couple of months later.  So in the end, you can get 3 credit reports throughout the year.  The only issue with this method is that one credit agency may have a slightly different report than the other.  Not all free credit report from the government are equal.  You can also choose to call up the credit agencies to get free government credit reports if you don’t have internet connection.   

Some of the information that you’ll need to get a government sponsored free credit report is your address, your social security number, and your date of birth.  Once you provide that information, you’ll get a report of your credit history.  But you will not get a credit score.  Remember to save the free annual credit report from the government once you get. 

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