get your credit report for free every year
“You have been denied credit because of information in your credit.” This is the dreaded turned down letter that many people do not want to receive when applying for credit to purchase a product or service. When your credit is “bad” normally you know without having to pull a report the state of your payment history. If you are declined for credit, then the first step should be to try to acquire a copy of your report. If you do not know what is on your file, then how would you be able to correct error(s), if any, on your report? Your credit history is reported to three different credit reporting agencies companies on a monthly basis, which makes the possibility of errors occurring very likely.
The amount of credit histories maintained by these credit report agencies makes it very possible for mistakes to occur. You are entitled to a copy of your free annual report either from each credit report agency individually or jointly from annualcreditreport.com. This is the only legitimate website that you may get your report free of charge annually. There are many online services that you may sign up for credit monitoring and receive a free report for a monthly fee. The cost to pay for your credit report is approximately $10.00.
You are also entitled to a free report for the following reasons:
* Denied credit because of information in your credit file
* Unemployed and you are planning to apply for a job within 60 days.
* Public Assistance recipient
* Errors due to fraudulent activities of someone else
* Possible Identity theft or fraud
Tags: credit report