Annual credit report is very important for many reasons the most important being detection of identity thefts. If every citizen checks his annual credit report without fail the number of fraudulent credit reports will reduce. If you are a victim of an identity theft, checking your annual credit report may save you a lot of headache. Knowing the credit report before applying for a loan or job may also be helpful. You have a right to order your free annual credit report and if you are a victim of an identity theft you can place a fraud alert on your file to receive copies of the annual credit report every year regularly.
There are some precautions you need to take before ordering your annual credit free report like requesting the agency to print only the last four digits of your social security number on the report, mark your calendar to remember to order your annual credit report and most importantly beware of enquiries online or on telephone offering to get your annual credit report free for you. These are mostly time fraud and are responsible for most identity thefts by extracting personal information from you. What information does your report contain: Personal information, including addresses, telephone numbers, Social Security Number, and birth information, a detailed credit history, including information on loans, credit cards, and timeliness of repayments, Public records, such as bankruptcies, liens, judgments etc and a list of all persons or organizations who have requested a copy of your credit report in the last six months like creditors, consumer or for promotional purposes. If you want to receive your credit report online you could check out the free annual credit report with Equifax, which will provide you with a free annual credit report. In order to get the report it is essential to fill an annual credit report request form. Transunion is another agency and you can get your annual credit report Transunion style as well which includes 24 hour changes to your credit report of which you will be informed and a $25000 insurance against identity theft at no additional cost. A unique service provided by Transunion is annual credit report trans union dispute online this service is easy to use and you can submit your dispute online.