Your good credit gives you access to good rates for borrowing money. The companies, employers, utility providers and landlords decide whether to give you money or not through your credit report. You can easily keep track of your financial report through your credit score report. According to the federal law you can get access to your annual report freely but the money borrowing bureaus provide you weekly access to your annual credit report.
The process is simple. But it will become extremely nerve wrecking and complicated if you don’t know the official platforms and methods as well as the number of times of requesting the annual report. These steps will provide you with great guidance.
Requesting the report.
It is crucial to understand the correct method of requesting your credit report. Once a year you can get your report freely. The reporting bureaus can easily provide you with the report on a weekly basis. Such as equifax, experian and the transunion.
But there are certain ways that you can take to request the credit report. Such as
● Website
● Ask through phone
Website
You can take your request on the online platform. Go to the official government website and request the report after logging in.
Ask through Phone
The phone number of the credit report provider can give access completely.
You can complete the form of annual credit report by downloading it. Then you can post it in the mail box to the annual credit report address.
Get report through personal information
The gaining of the report requires some submitting your personal information. As your phone number for Social Security number, current address and your full name is required in the process.
It is important to provide your information correctly. The company will attend according to your request. To identify the process of your request the company needs a full and correct piece of information from your end.
Filling out this application online is easy but it is not through the phone. As you get to forget certain information then the process slows down on the phone. But online you can pause and search for your required document easily.
In the online platform there will be some security questions that only you know the answers to. Such as the date of your mortgage application etc. each person gets questions according to his own personal information.
Request credit report
After deciding the process and gathering all the information. It is now time to request the final report. The company will issue your annual report within a matter of time. Order the report only single one. Or you can go to the company.