One question which comes to the mind of every individual is how to get a cheap credit report. There are a majority of people who get their report for free every year from three credit agencies, which include Equifax, Experian and the Trans Union or you can put a request to them to issue your credit report. The reporting agencies give the report through a phone number and address or by a phone number. For issuing a report, you should give your basic information which includes your full name, date of birth, address, social security number and your credit card number.
There are annual credit report websites where you can visit and place an order for report. You can also call them on their toll-free lines. It costs you nothing; just fill out an application provided online and enter your log in password. All you need to do is answer few questions you'll be asked to give your credit card number. But if you want to call then you have to provide your complete identification from the company you want it from. It takes only five days to mail you the report. You can also get the annual cheap credit report the same way, but it will take fifteen days to be mailed by credit card reporting agency. You should remember one thing here, however. If you want to get a free online credit report then you have to access centralized agencies to avoid being charged a fee. So you should make direct access to agencies. You should also know that your report contains information on auto loans, mortgage payments, history of all payments and repayments you have made.
It is important to note here that you have to make sure that your financial report is free from error and inaccuracies, which is most common trend and happens quite often. So you have to check your report thoroughly and if you find any errors, inform the relevant agency by sending the proofs and make its correction immediately. The problem with these errors arise when you are deprived of getting a loan, credit, insurance or employment. Any of these situations show how important it is to get a cheap credit report. With errors on your report, you don't have to waste time and you should contact credit reporting agency within sixty days of denial for a report. Only you are authorized to collect your report but if you have any problems and cannot collect them your employer can also collect your report, but only with your consent in written form. There are many businesses which can get their client's reports online, but they should have to check with service providers before doing so.