Many people find a great relief in the fact they can receive
a yearly government free credit report. They have been patiently waiting for
the day when they could receive their government free credit report; and now
they have that chance. You can now get your government free credit report by just
calling on phone or logging online and viewing it on your monitor.
A government free credit report will tell you everything
that the government knows about your credit rating. You will know your credit
score and you will also see if it needs improving, so that you can get that
loan that you require.
A government free credit report will be sent out to you once
every year and you can then see from the credit report if you have the right
credit score to start applying for a new place to live.
How to Get Government Free Credit Report
You can get the promised free credit report over the phone
by dialing a toll free number. Use quicker online services and log in to the
central web site run expressly for this purpose with the name - annual credit
report.
Another way is to fill up the FTC report request form and
mail it to their Atlanta address.
You can either order for a single report from one bureau or get a combined
report based on all the three credit reports.
To get the report you will be asked to provide such personal
information as name, address, Social Security number, and date of birth. The
official site and the personnel involved with this will NOT correspond via
emails to ensure no phishing can be done to cheat you of this vital
information.
Federal Government Free Credit Report
The federal law entitles every U.S.
citizen to apply and receive a copy of their free credit report once a year,
with particular details differing for different states. You are also entitled
to receive one free credit report every year directly from a credit reporting
agency if you can certify that you are:
- Unemployed
and looking for re-employment in the next 60 days.
- Being
denied credit on the basis of information in a credit report.
- Expecting
inaccuracies in your report due to fraud.
- Getting
public assistance.
All these little things can be determined by your credit
score and to save you the hassle of possibly getting rejected by that company
you will want to view your government free credit report. That will let you
know everything you need to know about your credit score.
A government free credit report will mean that they can no
longer keep your credit score information to themselves. They now have to give
you your credit score information once a year.
But they will only release this information to you if you
request it. Then you will be able to see your credit score every year. Of
course, though, they will only give this information to you and you alone.
Beware of Identity Fraud
It is always a good idea to thoroughly check your government
free credit report, as you never know when you might become a victim of
identity fraud; if you are unfortunate enough to have it happen to you, then
you will want to know about it and can get it fixed before anymore damage can
be done to your credit score.
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