Credit is very important to our financial well-being, and maintaining a good report and rating is essential to obtain the things we want in life. The government has mandated the credit bureaus through the Fair Credit Reporting Act to provide consumers access to their report without charge. In order to learn how to view your annual free credit report you will need to visit the government approved website set up for that purpose.
You can locate the site by utilizing the major search engines and typing in free annual credit report and you should receive the results that you need. This government website will not ask you to provide any type of financial information that allows you to be charged. All it will ask for is your name, date of birth, social security number, and current and previous address in order to access your reports. You may through the credit bureaus who are linked to the website be asked for information contained on your credit report that only you will know, this is used in order to confirm your identity.
After you have provided the relevant information you will have access to all three reports. You will not receive your score with these reports but must obtain them from a reputable paying website if you want this information. The main benefit provided by the free government site is all three reports for you to view and check for accuracy. If you find information in them that is not recognized by you, you may want to contact the reporting bureau and dispute the item.
You can only access these reports on an annual basis and once they are viewed if you want a record of them you will need to print them out if you have used the website to view them. There are other options to obtaining a hard copy and that is calling the phone number listed on the website to order them, or using the address given to receive them through the mail if you do not have a computer or printer.
The main reason you are offered your free credit reports is to combat identity theft that has been on the rise and to make sure that the reporting bureaus remain fair and accurate in their reporting practices. This is for your benefit as well as the bureaus and you would do well to utilize this free service that is being offered. Your credit is just that important.