CreditScoreAide .com asked:


You may not realize just how easy it is to get your credit report, especially when you see all these companies online wanting to charge you for them. However, the good news is that you can receive your credit report free of charge. The Fair and Accurate Credit Transactions Act of 2003, entitles everyone to a free credit report. The only thing you have to do is contact each major credit bureau and ask for a copy.Now that you have your credit report, you can look for discrepancies. However, what do you do if you find one? First, you can ask that they be removed from your credit report.

You will have to contact the credit bureau that has listed the error and request for an investigation. If this does not get them to remove the error, you can then write a 100-word statement explaining the error, which will mainly, be your side of what happened. Your statement will then be attached to your credit report. In some cases, if you can prove that the error is false, it can be removed from your credit report.

You can now also see which creditors have listed problems with you paying your debts. If you find that you still owe these creditors, you can contact them and start repaying the debt. Once you begin paying the debt, the creditor will start reporting your payment actions once again and this can improve the bad credit rating that was once there for this creditor. If you also notice that creditors that you are in good standing with have not reported your good account information you can give this information to the credit bureaus with the name and telephone number of the creditors. When these items are verified and placed on your credit report it will begin to start showing up as good credit.

Remember, a bad credit history does not just disappear. Bad credit should fall off your report in seven years, however, if the creditor files another claim prior to this it will still be on your credit report. A matter of fact, bad debt as far back as 14 years can still be on your report while good credit does not last that long.

Understanding all you can about your credit report and how to correct errors, rid yourself of bad credit while building up good credit will be your saving factor when you are ready to purchase a home or apply for a bank loan.

Along with this information, you should also realize that you could request a free credit report so you will always know what is going on with your credit. Identity theft and even false reports can destroy your good credit in a short amount of time.



Veronica

Jackie S asked:


I ask because when you go to certain websites for your “free” credit report, they always ask for your credit card.

Justin

AMANDA J asked:


Lots of the sites want a credit card or credit card info? Does anyone know of a truly free site?

Kristen

Mutley asked:


They aren’t free and require sign-up or enrollment. What do people do without a computer and do these companies have a monopoly on credit reports?

Charlie

Mr SmoothHead asked:


I heard that you can go to https://www.listclassaction.com to get free credit report through Trans Union.

Is that true, if so, please pass it on to many people as possible.

Judith

Tima.ashar asked:


Being an employer, you may want to use consumer credit reports while hiring new employees and also while assessing them for promotion, reassignment, and retention, but only if you abide by the Fair Credit Reporting Act (FCRA). Sections 604, 606, and 615 of the FCRA clearly mention the employer’s responsibilities towards its employees when he uses consumer reports for employment purposes.

The FCRA was primarily constituted to guard the privacy of the consumer report information and to guarantee that the information that is printed on the report by the bureaus and agencies is precise. An amendment was made to the FCRA on 30th Sep 1997 stating that more and more obligations should be imposed on employers who use consumer reports. The Congress advocated this step, as they felt that inaccurate and incomplete consumer reports can cause someone his job or may be even his promotions.

The amendments made it clear that

individuals must be informed that the employer is checking his credit report and more importantly he should agree to it.

individuals have the right to be informed if the information in the credit report has negative influences on employment decision.

More information about consumer report: -

A consumer credit report consists of personal information along with credit characteristics, character, general reputation, and lifestyle. This report should be prepared by a consumer-reporting agency (CRA) according to the FCRA.

Employers feel safe and satisfied to run a background check on applicant before hiring them for the desired job. Some employers are only interested in your credit payment record, some in driving record and some in criminal records. Depending on your job profile, an employer can even ask for an investigative consumer report. These are types of consumer credit reports if acquired from CRA.

For more information on credit reports and identity theft issues, visit - Free Credit Report



Adrian

vikasintl asked:


Printer suddenly stopped working before we could print the free credit report
and there was no way to save or send the credit report to our email address…
What should we do now?
We could save the credit report number on a piece of paper will that help to retrieve it again?
This was from experian

Lloyd

That One Dude asked:


I would like to know my credit but Im not gonna pay for it, seems kinda odd that we would have to dish out cash to find out how much we can buy.

I checked out a few sites but all where asking for a credit card at some point…..

Anyone know of a site that is completley free and dosent ask for your credit card?

Terri

heavenly2521 asked:


Where can i go online to get a Free Credit Report without using a credit card or having to pay..
I’am needing my credit score ASAP without paying

Beverly

frat b asked:


I’d like to check my credit status from a free credit report website but I have fell for a free credit report site which turn out to be anything but free at the end.

Ellen