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As a buyer of goods in the U.S, Uncle Sam decided back in 2003 that you are entitled to receive a free anual credit report, so you can oversee your credit and your credit rating. The FACT bill was approved quickly, so that every American could obtain a complimentary annual credit report and be permitted to review for themselves what the credit report bureaus were gathering
on them.

This is revolutionary in that individuals are now authorize to review exactly what lenders see, and can fix any errors that are on the report, and watch over their credit to correct any blemishes that might harm their character as a credit risk. Before the FACT Act was passed, the only individuals allowed to access this data was the financiers and the credit report companies.

There are a couple ways you can go about receiving a duplicate of your credit report. First, you can go right to any of the sites of the credit bureaus. These agencies are Experian, Equifax, and TransUnion. Their web addresses are www.experian.com, www.equifax.com, and www.transunion.com.

You will need to answer several private questions and provide proof of your identity based on some of the data on the credit file. Then the information will display directly on your computer monitor, so you can carefully review it, transfer it to your PC hard drive, and/or print it out.

The second option you have to obtain credit report online is to surf over to either www.freecreditreport.com or www.annualcreditreport.com. They will eventually be referring you to the credit reporting bureau of your choice, but they will be equipped to quickly step you through the entire procedure of inquiring about your free annual credit report.

It is very important that you take full advantage of getting your free annual credit report every year and check it closely for correctness. Errors can be made, and they can affect the decisions of lenders when you apply for a line of credit or financing. Just one mistake can make the difference between a yes and a no from the lender.

You will also want to review your free annual credit report for any info that does not apply to you. It can tip off you to identity theft if you find that there is stuff on there that you never authorize, such as a credit card you never signed up for or a loan that you never asked for.

The free annual credit report is an excellent tool for consumers to have when it comes to their credit. Not using it is a huge oversight, so go ahead and get your anual free credit report today if you haven't already. It's the best thing you can do for yourself.

For more free tips on how to get your free anual credit report and techniques for correcting errors you find quickly visit www.WayToFixCredit.com.

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