As a consumer in the U.S, Uncle Sam decided back in 2003 that you are entitled to receive a free anual credit report, so you can oversee your credit and your credit rating. The FACT Act was ratified swiftly, so that each American could obtain a complimentary annual credit report and be permitted to checkout for themselves what the credit report bureaus were collecting
on them.

This is revolutionary in that people are now allowed to go over precisely what lenders see, and can fix any errors that are on the report, and watch over their credit to correct any errors that might damage their merit as a credit risk. Before the passing of the FACT bill, the only people privy to this information was the financiers and the credit report companies.

There are a couple ways you can go about acquiring a duplicate of your credit report. Number one, you can go straight to any of the websites of the credit bureaus. These agencies are Experian, Equifax, and TransUnion. Their web addresses are www.experian.com, www.equifax.com, and www.transunion.com.

You will have to answer several private questions and provide proof of your identity based on some of the information on the credit report. Then the information will appear directly on your computer screen, so you can carefully review it, transfer it to your PC hard drive, and/or print it out.

The second avenue you have to obtain credit report online is to surf over to either www.freecreditreport.com or www.annualcreditreport.com. They will ultimately be sending you to the credit reporting bureau that you want, but they will be able to quickly step you through the entire procedure of applying for your free annual credit report.

It is essential that you take full advantage of getting your free annual credit report each year and inspect it closely for accuracy. Mistakes can be made, and they can affect the decisions of lenders when you apply for a line of credit or financial aid. Just one flaw can make the difference between a yes and a no from the bank.

You will also want to check your free annual credit report for any info that does not apply to you. It can alert you to identity theft if you notice that there is stuff on there that you never authorize, such as a credit card you never signed up for or a loan that you never asked for.

The free annual credit report is a powerful tool for consumers to retain when it comes to their credit. Not availing oneself of it is a huge oversight, so go on and get your anual free credit report now if you haven't already. It's the best thing you can do for yourself.

For more free tips on how to get your free anual credit report and techniques for correcting errors you find quickly visit www.WayToFixCredit.com.

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