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July 21, 2014
You have probably seen many commercials on TV from many companies offering to give you a free credit report. What these companies do not tell you is that there is no need to go through a company to receive copies of each of your credit reports. In fact the federal government law states that everyone is allowed a copy of each of their credit reports every year. That includes a report from Trans Union, Equifax, and Experian.
The government has already set aside the website www.annualcreditreport.com to be used to get copies of the reports. If you go to that website you will be able to pull each one of your credit reports as long as you can answer some simple security questions used to verify your identity. If you are unable to answer the security questions you can request a free report from each of the credit bureaus by mail.
If are unsure what site you are on when trying to view your reports just know that you will never be required to give your credit card information. Many of these so called free credit report companies will ask for your credit card number and with it sign you up for a monthly credit monitoring service that you may not want.
Once you have pulled your credit reports if you find you have many inaccuracies that are keeping your score down you can contact one our top ranked companies. These companies will be able remove the inaccuracies and devise a plan to improve your score.