Due to the importance of credit reports for consumers, the government has mandated through the Fair Credit Reporting Act that Equifax, Experian, and TransUnion should provide each individual a free copy of his or her credit report every 12 months. You can order your credit scores and reports from the companies simultaneously, or separately. It is also helpful to note that your free online credit report company will not email you and ask for your personal information, so if somebody emails you claiming to be your credit report company and asks for your social security number, do not respond to it. But you can go to the previously mentioned official website and in your free online credit report order form, type in your name, Social Security number, birthday and address. Getting a copy of your credit report is important so that you can be certain that the report completely and truthfully reflects your credit and is updated. Besides, getting free online credit report, you can also get your credit report from an authorized company via phone or mail.


It is an overview of the necessary details that tells the story of how well you used your money, how you borrowed money and how you paid for it. Ordering your report is actually very easy, but you must remember is that there are a lot of scammers out there, and it can be really hard to tell one from the other. To make sure that your file is secured, each company will ask you questions that only you would know the answer to, depending on what information they have about you.
This kind of information can make or break you during the an application for a job or loan. Finally, do not forget to be extra careful because there are a lot of companies out there who are out to fool you, so be careful as you try out free online credit report.
However, please be reminded that the government has authorized only one website to entertain order forms for annual credit reports for all three nationwide consumer reporting companies, you can safely order them at the annual credit report.


Generally, it will take 15 days from the date they receive your request, for you to receive your credit report but if they need more time to compile your data then, it can go beyond that.
Also, keeping yourself abreast with the status of your credit can protect you from identity theft. It is necessary because your credit history is a reflection of your credit reputation, whether it is good or bad, it is all written in there. If you keep yourself updated with the status of your credit, you are more likely able to detect if someone has been using your identity to get loans and such.



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