The Importance Of Your Annual Credit Report

Getting an annual credit report review has been the advice of many financial managers as they guided their customers to be aware of all information on credit reports. Would the idea of a free annual credit report be good news? Consumers are thrilled with the new federal mandate that demands the three major national credit bureaus offer a free annual credit report to anyone requesting copies of their personal credit reports. An annual credit report is available from each of these bureaus.

If you are interested in receiving a free annual credit report, then you can do this in a number of ways: you can order your free annual credit report by telephone, or by mail, and you can also order your free annual credit report through the Internet. If you are looking for instant access to your credit score, then the Internet is the best way to do it.

The free credit reports will not automatically be sent out to you as the consumers need to request getting a report one of the following ways. You can go to www.annualcreditreport.com and obtain a credit report. This is the only authorized source for credit reports where customers can access their information online. This service is free of charge. You can also call 877-322-8228 to receive a free credit report.

The free annual credit reports available can be downloaded over the Internet. Consumers need to go the Annual Credit Report website and follow instructions for receiving their own free annual credit report. The annual credit report web page will also give consumers a telephone number to request reports by phone, and an address to send written request to. At this time two thirds of the United States can access this annual credit report, and by September 1, 2005, free annual credit reports will be available to the entire U.S. Take control of your credit history statements by downloading your free annual credit report today.

If you are never really sure about your credit score, then a free annual credit report will keep you up to date with how good or bad your credit score is. But also when viewing your credit report, you will need to make sure that everything is being kept up to date and that your information is not being used by someone committing identity fraud.