Get Your Annual Free Credit Report Why Pay For It?
You can get an annual free credit report from any of the three major credit bureaus. If you have ever had credit, then there is a report on your borrowing and repaying at one of these bureaus maybe all three. The Fair Credit Reporting Act is a law saying that every person is entitled to receive one annual free credit report once every twelve months from the credit bureaus.
Annual credit reports are very important because they contain all of the information about your credit history not just for the past year, but for at least 7 years. When you request an annual free credit report, the credit bureau is not allowed to charge you for the first report. However, if you request more than one report, then you have to pay for the others.
There are many sites on the Internet that will charge you for a credit report. Therefore it is important to know that you do not have to pay for this service. By analyzing your annual free credit report once a year, you will have a clear idea of what your credit score is. Free annual credit reports will help you determine where your focus for the next year should be if you are...
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