The Easy Way To Gain Access To Your Free Online Credit Report

When you apply for credit, those lending you the money want to know if you are going to pay them back. One way they decide if you are a good risk is to see how you've dealt with other people's money. They find this information in your credit report.

Your credit is reported to three main credit bureaus and these bureaus then rate you. If you are planning to apply for credit, it would seem that knowing what is being said about you would be a good idea. This way, you can take care of any problems and be aware of them before you begin.

It's Easy

Getting your hands on your credit report is easy. All you need to do is call the number of the credit bureau and follow their directions:

Equifax Options P.O. Box 740123 Atlanta, GA 30374-0123 http://www.equifax.com

Experian Consumer Opt Out P.O. Box 919 Allen, TX 75013 http://www.experian.com

Trans Union Name Removal Option P.O. Box 97328 Jackson, MS 39288-7328 http://www.transunion.com

However, it is even easier to do online. Simply go to the listed website and get started. Here are a few things you will need:

# Full name ? this includes middle, maiden, Jr., Sr., and III, etc

# Social Security number ? you must have one in order to do this online

# Driver's license information ? your DL number plus state

# Current address and your address within the last five years ? if you have had more than one in the last five years, you will need to have each of them

# Date of birth

# Signature ? for online requests, you will have to type your name and follow their instructions

# Home telephone number

# Employer ? if you are employed

# Credit Card or Debit Card to pay the fee ? it is usually $8 to $10

Coming Free to Your Area Soon

Beginning in December 2004, you will be able to get a free yearly copy of your credit report. Then getting your credit report will be even easier. Instead of having to go to the three major bureaus, you will be able to go to a centralized source with a toll free number or a website.

Schedule for Phasing In Access to Free Credit Reports:

December 1, 2004: Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana, Nevada, New Mexico, Oregon, Utah, Washington, and Wyoming.

March 1, 2005: Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Missouri, Nebraska, North Dakota, Ohio, South Dakota, and Wisconsin.

June 1, 2005: Alabama, Arkansas, Florida, Georgia, Kentucky, Louisiana, Mississippi, Oklahoma, South Carolina, Tennessee, and Texas.

September 1, 2005: Connecticut, Delaware, District of Columbia, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, Vermont, Virginia, and West Virginia, Puerto Rico, and all U.S. territories.

Getting your credit report online is easy and getting easier all the time. It is in your best interest to check out your credit reports yearly so that you can check for errors, and recognize problems quickly enough to correct them.

Wesley Atkins is the owner of http://www.credit-cards-advisor.com- which aims to get you fitted with the best credit cards to suit your situation. With numerous credit card articles and easy online credit card applications you will never choose the wrong credit card again.

In The News:

Ill. credit unions help with college aid
Chicago Tribune, United States - 3 hours ago
AP CHICAGO - Authorities say eight Illinois credit unions are stepping up to plug college funding gaps wrought by the credit crunch for student tuition aid. ...

Times Online
Treasury Extends Secured Credit Line to Federal Home Loan Banks
Bloomberg - 3 hours ago
7 (Bloomberg) -- The US Treasury extended a secured credit facility to the Federal Home Loan Banks, the government- chartered cooperatives, allowing them to ...
Video: Feds Take Over Mortgage Giants AssociatedPress
US Unveils Takeover of Mortgage Giants New York Times
Lockhart's statement on Fannie, Freddie CNNMoney.com
Forbes - Telegraph.co.ukall 4,205 news articles

Boston Globe
Ex-Credit Suisse brokers indicted on fraud charges
Financial Times, UK - Sep 5, 2008
By Joanna Chung in New York Two former Credit Suisse brokers have been indicted on fraud and conspiracy charges related to the sale of auction rate ...
Former Credit Suisse broker arrested in US Swissinfo
Former Credit Suisse broker charged with subprime-linked fraud in ... International Herald Tribune
UPDATE 1-FBI arrests ex-Credit Suisse broker Reuters
Independent - Forbesall 527 news articles

Boston Globe
US travelers face credit snafu
Boston Globe, United States - 13 hours ago
By Eric Lucas All I wanted to do was buy gas, so I put my credit card in the automatic card-reader and got ready to fill the tank. ...
Bridging the gap year: stay out of the red in the wild blue yonder Independent
all 2 news articles

Clock ticks down on credit bureau class-action deal
Indianapolis Star, United States - 14 hours ago
In a class-action settlement, credit bureau TransUnion has agreed to provide free credit- monitoring services to millions of consumers to settle claims it ...

CEP News
S&P raises Nalco Co.'s credit rating
CNNMoney.com - Sep 5, 2008
NEW YORK (Associated Press) - Standard & Poor's on Friday upgraded its corporate credit rating on Nalco Co., citing bright prospects for the company to ...
S&P puts Fifth Third on credit watch Dayton Daily News
Credit rating soars in District 300 Northwest Herald
Starbucks downgraded to 'BBB' on weakening credit metrics - S&P Hemscott
CNNMoney.com - CNNMoney.comall 107 news articles

MORE COLLEGE CREDIT
Chicago Sun-Times, United States - Sep 6, 2008
Despite the current nationwide credit crunch, the State of Illinois secured $100 million for the student loans by tapping a new source -- credit unions. ...

Credit Report Need Fixing? Take Action Yourself
Hartford Courant, United States - 23 hours ago
Mike Ferrara wants to buy a house in a few months and is worried that mistakes on his credit report will keep him from obtaining the loan he will need. ...

Christian Science Monitor
Retailers, banks battle over credit-card fees
Christian Science Monitor, MA - 3 hours ago
Currently, credit-card issuing banks set these fees. Merchants have no say, and if they wish to accept credit-card payments, they must either raise prices ...

College students should study up on ID theft
Chicago Tribune, United States - 13 hours ago
Here are tips from security experts: Avoid credit card solicitations. This is a good idea anyway to stay out of debt. But there's a scarier reason to avoid ...
Limit damage after ID theft Sun-Sentinel.com
Identity Theft Solution Corsavoo.com
What I learned when thieves stole my identity Sun-Sentinel.com
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credit - Google News


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