Know Your Rights: How to Get an Official Free Credit Report Annually

Checking your credit score and credit report are crucial things to do before applying for a home loan. Having a higher score and few, if any, negative items on your report improves your chances of being approved for a loan. Under federal law, you’re allowed to get a free credit report annually from all three major credit bureaus.

Knowing how to get an official free credit report is important since there are quite a few scams around. The three bureaus, which are Experian, Equifax and TransUnion, all provide these reports through annualcreditreport.com. You can place your order online, call 877-322-8228 for your free report or complete a request form and send it to Annual Credit Report Request Service. Avoid going through other websites that claim to provide free credit reports. Many of these are scam sites that try to get people to sign up for a free trial period for their reports, then charge their credit card if the account isn’t cancelled in time. When you order through Annual Credit Report, you’ll need to provide your name, Social Security number, date of birth and address.

You don’t have to order reports from all three bureaus, but it does benefit you to do this so you can check for inconsistencies or errors on each one. If you notice any, contact the bureau to have it corrected before applying for your home loan. This helps ensure that your credit report is in good shape when the lender checks it.

Understanding how to get an official free credit report is just one of the many steps involved in buying a home. To get started on this process, visit ERA Real Estate. For more information about managing finances prior to purchasing a home, click here.

 

Photo via Stuart Miles via FreeDigitalPhotos.net

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Ashley is the Manager of Customer Engagement for ERA Real Estate, where she shares her love of writing and nerdy communication strategies. With a taste for adventure, Ashley loves biking and discovering new hiking trails. She also has a slight obsession with Pinterest and her cooking blog, Fancy Fork.

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