The answer is absolutely you can get freecredit report even if you happen to mistype into any of your favorite search engines. The problem you might face, especially if you are looking for the first time is to know exactly where to go to really get your freecredit report without having to buy anything in order to do so. And I’m sure that’s what you really want to know isn’t it? Ok, then let’s go over that so you can avoid any pitfalls.

Irregardless of what you may hear through various ads that you get exposed to almost daily, there is only one true website that has been set up that will allow you to get a freecredit report from each of the 3 major credit reporting companies, Transunion, Experian and Equifax. The site is called Annualcreditreport.com.

Ever since the Fair and Accurate Credit Transaction Act went into effect in 2003, you are entitled to receive annual reports from all three. So remember that site. If you land anywhere else when you search, you’re in the wrong place.

Click to View Your Report

Now once you have your report, what should you do with it?

The first thing is to gather all your statements and start making sure that everything that is reported about your credit history is correct. Keep in mind that not all creditors report your payment history. If this is the case, make a note of these for later because you might want to place a few calls and ask why.

Also go over all your personal information such as address, name and so forth and make sure this is also correct. Maybe you’re thinking that’s not a necessity but in reality it is. You have to remember that mistakes can be made on your freecredit report and those mistakes, if they end up in your credit report and aren’t dealt with can be harmful to your credit score. So don’t rush through the process, take your time. And if you find any discrepancies, write them down because next we’ll cover exactly what you need to do.

For any dispute that you have uncovered in your freecredit report, you will need to contact the credit reporting agency. Each of the three companies maintains a website and have a dedicated area in which you can do this. You have your choice when filing a dispute. You can do it either by phone, regular mail or through an online submissions form. The most expedient naturally is to use the online submission form because this adds a time stamp to your submission.

This is a great way to track the status of any dispute. Once the dispute is filed with the credit reporting company, they in turn will notify the provider of the information. If the provider can not accurately show that the information is correct, it has to be removed from your credit report. Here is where you need to be organized. The provider has up to 45 days to verify the information. So keeping track is essential. And best of all, you don’t need to hire any of the so called credit repair specialists that now exist in abundance.

So go grab a cup of your favorite beverage and get started on getting your freecredit report!

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