Every US citizen bears a right to grab a copy of annual free credit report from TransUnion, Experian and Equifax, the three main bureaus for credit credentials of US citizens. Still it’s a bare considerable doubt of individuals that they may get there credit reports with revealing their credit card details. In fact, credit card in not a mandatory input for getting the credit report. Every citizen is entitled to access his/her financial data once in a year for free. Actually the financial laws governing the bodies made it in reach of every individual.
The confusion that distracts the mind of individuals is due to the fact that several companies that provide free credit report ask for credit card credentials as mandatory step for verifying identity. The individuals should be cautious about usage of such services and should go through each and every small font points.
There is no need to provide your credit card details when you have the option to by-pass them according to the governing law. You can switch to other sites since there is option of obtaining your free credit report from the officially authorized source site. It’s not that confusing like the way the procedure sounds. It’s pretty simple. All you need to follow is the main website that is governed by major bureaus that provide credit reports and performs depending on provisions of FCRA and FACT.
The Fair and Accurate Credit Transaction Act (FACT) and The Fair Credit Reporting Act (FCRA) are the main benchmarks to implement the powers of fetching credit reports to each and every citizen of US. The web portal is named as annualcreditreport.com. You can immediately get the access to your free online credit reports after filling up the forms there.
By the way, it doesn’t mean you will not ask for any identity verifications, but credit card will not be the only means. Here for the verification credentials, you need to mention your name, date of birth, address details and most importantly SSN (Social Security Number). You do have to mention your changed address of you’ve relocated anywhere. Apart of it you need to answer a security question whose answer is known to you only. This security question/answer may vary from one bureau to another. A few important credentials like telephone number(s), employment history or previous address may also be asked to verify you identity.
Free credit reports can also be requested through making a call to the toll free phone number provided by the any of the three bureaus at your letterbox. This will probably take 15 days to deliver.
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