The Problem With Online Anual Credit Report

The FCRA (Fair Credit Reporting Act) requires that the three credit bureaus provide you with an anual credit report, once every 12 months. You will need to request this report yourself from each of the credit bureaus. To do this you can visit their websites, call or email each of them.

I highly suggest that you do not request your free annual credit report from online. I know that it seems like the most convenient way, as well as the quickest way. But there has been much controversy surrounding this. The website annualcreditreport.com was created as the centralized website. It was created to offer you the quickest and easiest way to request your credit report. But that's not what happened. Maybe it's because of the poor planning of the website, I don't think we will ever find out the real reasoning for the problems. There are many problems that arise when using this website for your anual credit report, even if you are completely internet savvy. When it comes to obtaining peoples social security numbers and other personal information, there will be scandals such as people creating and making sites that look as if it is the real original site, known as imposter sites. I have seen it thousands of times.

The internet has become the number one place for predators of all types to begin preying on innocent people that are unaware of their scams.

Because of all the problems that are occurring I suggest that you stay clear of the site and obtain your annual credit report directly from each bureau.

A while back before this amendment came about, the only way you were able to receive an anual credit report, was if you were denied credit, or if you were searching for employment. You can still get a free credit report for those reasons.

You can learn a lot from the information in your anual credit report. This report plays a huge part in your life. And you can learn how easy it is to have inaccurate items on your report. These items can prevent you from getting the approval on the mortgage for your dream house you have just seen.

There are other ways that you can get your credit report for free after you have received your free annual report. If you are working on improving your score, then you are entitled to another free report if your score has changed.