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Many people find a great relief in the fact they can receive a yearly government free credit report. They have been patiently waiting for the day when they could receive their government free credit report; and now they have that chance. You can now get your government free credit report by just calling on phone or logging online and viewing it on your monitor.
A government free credit report will tell you everything that the government knows about your credit rating. You will know your credit score and you will also see if it needs improving, so that you can get that loan that you require.
A government free credit report will be sent out to you once every year and you can then see from the credit report if you have the right credit score to start applying for a new place to live.
How to Get Government Free Credit Report
You can get the promised free credit report over the phone by dialing a toll free number. Use quicker online services and log in to the central web site run expressly for this purpose with the name - annual credit report.
Another way is to fill up the FTC report request form and mail it to their Atlanta address. You can either order for a single report from one bureau or get a combined report based on all the three credit reports.
To get the report you will be asked to provide such personal information as name, address, Social Security number, and date of birth. The official site and the personnel involved with this will NOT correspond via emails to ensure no phishing can be done to cheat you of this vital information.
Federal Government Free Credit Report
The federal law entitles every U.S. citizen to apply and receive a copy of their free credit report once a year, with particular details differing for different states. You are also entitled to receive one free credit report every year directly from a credit reporting agency if you can certify that you are:
- Unemployed and looking for re-employment in the next 60 days.
- Being denied credit on the basis of information in a credit report.
- Expecting inaccuracies in your report due to fraud.
- Getting public assistance.
All these little things can be determined by your credit score and to save you the hassle of possibly getting rejected by that company you will want to view your government free credit report. That will let you know everything you need to know about your credit score.
A government free credit report will mean that they can no longer keep your credit score information to themselves. They now have to give you your credit score information once a year.
But they will only release this information to you if you request it. Then you will be able to see your credit score every year. Of course, though, they will only give this information to you and you alone.
Beware of Identity Fraud
It is always a good idea to thoroughly check your government free credit report, as you never know when you might become a victim of identity fraud; if you are unfortunate enough to have it happen to you, then you will want to know about it and can get it fixed before anymore damage can be done to your credit score.