Nov 30

Things to Know about Absolutely free credit report

Absolutely free credit report is only provided to every individual in the United States once year only. For absolutely free credit report, the www.annualcreditreport.com is the only website authorized by the law where people can acquire their personal credit information. But if you want to make sure that the information you are getting is accurate then you can visit the three major credit report companies which are:
- Experian;
- Equifax; and
- TransUnion.

The usual fee paid to these credit report companies is %10 per report. The credit reports provided by these companies are not the same. So, it is better to get credit report from each of the companies for comparison. Absolutely free credit report contains the following:
- personal information which includes name, address, employment background, social security number;
- credit history;
- public records; and
- the inquiries made to the credit information.

The credit information in the absolutely free credit report indicates the credit card numbers associated your name. The date when the accounts were opened, the loans that you applied for, the loan total amount and you outstanding balance. On the other hand, the public records will indicate the details on court cases, tax liens and bankruptcy. Inquiries on your credit report can also be made to assess if you can be allowed to be granted with a loan or issuance for another credit card. Absolutely free credit report is also used or can be required by property owners or land lords to make sure that the tenant is able to pay the rent.

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