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How to Get a Free Credit Report From Any Reporting Agency

The process of how to get a free credit report gov is not too complicated. Anyone can get a free credit report as a means of ensuring that anyone can get information on one's credit to see that it is accurate and secure or to find out what needs to be done to make it better. You can get a free report if you use the right rules.

First, you will need to contact one of the three credit reporting agencies for assistance. TransUnion, Equifax and Experian are the three agencies that report on credit scores. Each group has its own standards for reporting credit. You will need to get these scores ready so you can get a better idea of what your credit profile is like. Of course, you can only get one free credit report from each group each year. You can get all three reports at once if it has been at least a year since getting reports from them. You could also get your reports a few months apart from each other simply to see what updates have come about with your credit scores.

The main part of how to get a free credit report is for you to contact a reporting agency by phone or mail. All reporting agencies will have their own standards with regards to what number you should call or what address you should be writing to. In some cases you may be able to contact a group that will report on all three agencies for you. This can work for free in that all credit reporting agencies are willing to work alongside groups that want to report on all data that all agencies have to offer for someone.

The details you will have to provide when getting your report are used to help confirm your identity. You will need to provide your full name, current mailing address, birth date and Social Security Number for a report. You'll also need to list your prior mailing address in the event that you have not been living at your current mailing address for at least two years. These items must be used regardless of whether you apply by phone or mail.

The free report request should be processed in about two to three weeks. The report will then be sent out to you after this time. It should take less than a month for you to get the results of your report. You should be sure that you are doing this with the right timing in mind. Remember, you can only get one free credit report from each reporting agency in a one year period.

You should see this process for how to get a free credit report when it comes to getting your report ready. This will make it easy for you to get information on your credit report so you can have a better idea of what you are doing with your money.