According to the federal trade commission laws, you are entitled to get a free 3 bureau online credit report annually from each of the three credit bureaus. Place your requisition for the free credit reports in those credit reporting agencies. The names of the concerned credit report providing agencies are: TransUnion, Equifax and Experian. These are the three major agencies which can serve you with an annual credit report. If you want you can get those credit reports online, without visiting their offices. Credit Report is Important for Credit Eligibility A credit report is very much vital for getting any loans. This is the most important aspect of a credit report. As the credit report keeps all of your data and your payments history, it is always important for a lender to view and understand you payment behavior for securing their money return. It is very important to view the credit report once in a year. In some cases, it is possible that there are some fraud cases. A person might have opened an account on your name and making the payments. A credit report collects those data too. Hence, it will come up on your credit report. Hence, if you analyze your credit report yearly, you can also spot the possible theft too. Depending on your credit score, the rate of interest may vary also. Normally, a high credit score can get a low rate of interest. Take Advantage of Your Credit Report The advantages of the free credit reports are several. They are very much useful for the proper business decision making. Through your credit report you will be able to check its important elements for outdated information, errors and theft. Viewing them, you can take required actions in your favor. Also, a high credit score helps to get rid of the hassle of getting a loan. You can go for any sort of loans freely. Like – personal loans, auto loans, car loans, house loans, etc. Avoid the Commercial Sites Three major and big agencies are there for you to provide you the free credit reports. They are authentic, reliable and mostly recommended. Hence, you do not need to go for any other commercial sites. Security of those sites is a big question. However, there are some authentic sites too. But the credit reports that they generate lack accuracy quite a bit. For this reason, you should instead visit the website called Annual Credit Report located at http://www.AnnualCreditReport.com. Without any hassle, over here you can get the credit reports that are generated by the three major credit agencies. Bureau credit report for free If you are interested to learn about the free online credit report, then visit http://ftc.gov. This is the best site that provides all the guidelines for getting a free credit report. There are so many websites that offers a free credit report. But the credit reports from the 3 bureaus are more than enough for understanding your current credit status. If you want to know about your credit status, you must have 3 in 1 credit report. This type of free credit report blends the credit history information of the 3 credit bureaus.
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