AnnualCreditReport.com is the only source that is authorized to provide access to the customers to take their free annual credit reports online. It is not a report that is sent on its own, automatically. There are two more ways other than the online option to request for your report. The second way to get it is to call (877) 322-8228. Third option is to request for an annual credit report brochure. When you get it you will see a form at the back of it. This form needs to be filled completely and sent to "Annual Credit Report Request Service, PO Box 105281, Atlanta, GA 30348-5281". This report brochure can be printed from the website or can also be ordered.
Advantages of annual credit report
You will be happily surprised to discover the benefits that you can reap with this annual report in your hand. Three most important credit bureaus will make it possible for you. Experian, Equifax, and TransUnion will provide you with your annual report. Moreover the perk on this benefit is that you do not have to pay a single penny to get it. This is the reason why it is called free annual credit report. This report helps you organize yourself better for future times, by looking at your credit history. One look at your report and the creditor will give you credit without any if and buts. But this is provided your scoring rate in the annual report is good.
Annual credit report for current interest rate
With the annual credit report you can approach any financial institution to avail loans. But to be able to decide on the best financial tool, you must be aware of the current interest rate. This will vary from state to state based on the ever-changing economy of that state. Basically there are three major issues that have a great influence on current interest rate. Prevailing economic condition is one of the three factors. This means the economical or the financial condition of the state at the time of applying for loan. Then come the other two factors, capital market situation and demand and supply. Current interest rate can be divided into nominal and real interest rates, to be able to make actual estimate of the interest benefits. Central Bank website has all the details of the current rate of interest offered by most financial institutions of the country.