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How To Get Your Free Credit Report Your credit report is essential because it is evaluated by most financial companies before they will lend you money or offer you a credit card. Businesses or people who use your report are insurance companies, banks, mortgage lenders, landlords and your employer. There are many instances when you need to know what is on your report. You can either pay and get your report from the credit bureaus or even request a free credit report. Discussed below are the occasions when you can get it for free. According to federal law you are entitled to get a free annual report from each of the three credit bureaus, namely Experian, TransUnion and Equifax. While applying for your free report online you have to be careful about many imposter websites that promise you the report. However, if you enroll in their membership you will end up paying the charges for their credit monitoring services for a full period. Use the actual website of the credit bureau and order your free report online, over the phone or by mail. The law also says that if you have been denied credit you can request the report to verify the details and know the reasons for the denial. If you want the report you have to request it within 60 days of the denial to get the report for free. You need to contact your lender to find out the bureau that has provided them the credit report. Another way to get a free credit report is when you are looking for a job. You can request a free report within 60 days before you start searching for a job. You have to contact the credit bureaus and tell them that you are looking for a job. You can also request them to provide you with your report as per the Fair Credit Reporting Act. You are entitled to get a free report if you are on welfare from the government. You can then request the credit bureaus to give you the annual free report. You can also request a copy of your report if you are a victim of identity theft and have incorrect information on it. If you suspect that somebody is using your identity and money you can get the report for checking these details. If you are residing in one of these eight states - Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey, Puerto Rico and Vermont - they allow you to get a free credit report once in a year from the three credit bureaus. In other situations like job hunting or unemployment you can also get a free report. Some states like California, Minnesota, Montana and the Virgin Islands have discounted credit reports. This means that you have to pay reduced prices for getting your credit report.
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