Free Credit Score: How To Get Yours Now

Credit reports are the best way to stay informed about your credit scores and save you against any identity theft or similar issues. The Federal Credit Report Act (FCRA) states that every consumer is entitled to free credit score. The data from credit reports goes directly into your credit score and that is why these reports are so important. In previous years, not everyone was entitled to get a free credit report and one has to be qualified for the report or pay additional fee for it. Out of these reasons, all the major credit agencies have teamed up to provide free credit score copy to all the consumers. Anyone can get a free credit score once a year by calling the agencies and requesting a free copy of your credit records.

Another way to get your credit score records is to contact the major credit bureaus directly. According to the Fair Credit Report Act (FCRA), you can visit their website or call them to get your free copy of annual credit history report. Keep in mind that in case you want to receive a credit report by any other method except these two then you may have to pay an additional fee for the report. These are the government authorities for getting annual free credit score but you can even go through some private services to get yours. These companies charge an annual fee and can get as many free credit score copies for you as you need, even if you prefer to get them each and every month.

You need to come up with some basic information for getting free credit scorer. It includes your basic details like your name, social security number, address, and date of birth. In case you have changed or moved recently then you may have to provide details of these previous addresses with the application. It is important for your own security of information and in the end, you will be asked to disclose some personal details like the amount of last payment or something like that.

If you are using the website to get your annual score rating then the report will be available instantly and you can download the electronic report from the site. But in case you called the agency and requested your free credit report then it may take up to 15 days for you to receive this report. So the best way is to get your report online so that you are not required to wait any longer. Make sure to check the report thoroughly and in case of any invalid entry or information, contact the agencies as soon as possible. There may be an invalid entry in the report which may lead to a low credit score.

But you have to understand that the Federal Credit Report Act (FCRA) entitles you for a free credit history report only and you are not provided with the score or any other service in return. So any additional service provided with free credit score is paid and you have to pay an additional fee for that. Credit report is very important for your financial life and it’s best to claim your credit records on a regular basis, so that you will not have any problems in future.