As of Jan 1, 2004 according to FCRA Act, all credit bureaus will be required to give out one free copy of credit report per year. However they are not required to give you a free copy more than one time in a year.
A free copy of credit report will help protect you and your family from any financial crisis. If you haven't recently seen a copy of your credit report, it would be advisable you obtain a copy of your credit report as quickly as possible. It is always recommended to check your credit report at least once in six months. Now days in just a few clicks you can have access to your credit report online. Getting a free copy of your credit report has no obligations and is absolutely risk free.
You are entitled for a free copy of credit report if
• You are entitled for a free copy of credit report if you have been denied credit
• You are unemployed and intend to apply for employment within 60 days.
• If you are a public welfare assistance
• If you report has been revised
• If you credit report contains inaccurate information due to fraud or theft
To obtain a copy of your credit report you need to provide the following information in writing
• Your personal information including you name, address, date of birth, telephone number and so on.
• You also need to submit your previous residential address if any especially if you need to obtain your five year credit history
• You also need to submit your social security number
• You also need to provide a signature at the end
Safeguard your credit (Tip that can help)
Shred any documents that show your credit information, social security number or driver's license number before throwing them away.
Isabella Rodrigues writes for credit-free-score.net,
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