Make Your Credit Report Request Online for an Immediate Credit Report
If you contact any of the major credit reporting agencies such as Equifax and Experian as well as Trans Union, it is always possible to make a credit report request to them in order to get a free copy of your credit report. All that is required on your part is to complete as well as mail to them an Annual Credit report request Form at Annual Credit Report Request Service in Atlanta, Georgia.
Besides sending them the credit report request through mail it is also possible to call them on a toll-free number and provide them with your Social Security number Also provide your name and address, date of birth, and a previous address.
Two Weeks if You Apply Through Snail Mail
Also, when you make your credit report request for a free copy of your credit report over the Internet, you can get it immediately. Although, when you do so via snail mail or over the telephone it will take you about fifteen business days before the report reaches you.
In fact, it can take even longer in case the reporting agency requires more information such as having to confirm your identity. In case there are anomalies, then you will be informed that the credit report will not reach you in the fifteen period window, and that you will have to wait a bit longer to receive your credit report.
What's more, even after you have made a credit report request to different credit reporting agencies, you need to realize that each agency obtains its information from various sources. This means that it would not be correct to assume that each credit report obtained from different agencies would match exactly. Thus, to get the complete picture about your credit, it is best for you to make your credit report request to at least the three main agencies.
According to the Fair and Accurate Credit Transactions Act, every American has a right to make a credit report request and receive his or her credit report without having to pay for it. In fact, this credit report is considered as being a consumer document which anyone can get from Equifax, Trans Union and also from Experian.
However, without having made a credit report request, you will not be able to get your credit report. So, you can choose to make the request online in case you are in a hurry. Otherwise, the mail or the telephone will do nicely.
Furthermore, you can choose to make your credit report request for all three reports simultaneously. Or, you can select different times of the year when you wish to receive your credit report.
