Credit Repair

How to Get Credit Report? Stay Away from Imposter Websites; Use These 3 Authorized Methods

There are many people who often do not have an idea on how to get credit report. They often end up landing at impostor websites where they are asked to submit their personal and information, especially credit card details. The details are then further used to enroll the applicant to a specific credit monitoring service through a limited period trial membership. People often forget to cancel the trial and eventually end up getting their credit cards charged for a full period of the service. It is very important for you to keep in mind that genuine websites will never ask you to sign up for free trial offers and to provide your credit card details. If a website does, it should be taken as an alert sign. Following are the only three methods to get your report; in most cases, you will get it the same day.

Placing Your Request Online

If you are looking out for genuine ways on how to get credit report, the only authorized website where you can place your request is www.annualcreditreport.com. You are strongly recommended to use the website address directly into the address bar of your web browser because some links may redirect you to an identity theft website. Make sure you use the right spelling. If you misspell the address, the chances are that you will end up landing to an unscrupulous website that will again try to trick you to provide crucial information so that they could get access to your hard-earned money.

Ordering Report via Mail

You can also place your order via snail mail. For this, you will have to fill up a specific form and mail the same to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. Now, you must be wondering how to get credit report form. Well, for this, you will again have to visit the official website (the link to which has been provided above) and download an annual credit report request form. It is a pdf document, which you can then print on paper.

Ordering via Phone

1-877-322-8228 is the toll-free number issued by the US government for general public to place their orders for annual FICO report. When you call this number, you will have to go through a verification process where you will be asked to confirm your identity. This step is crucial to ensure that it is only you and not someone else on your behalf who wants to get the report. Those who have hearing problems (even the ones who are deaf) should call a different toll-free number – 1-800-821-7232.

When you search on Internet, you may come across several websites that offer information on how to get credit report, but you must be vary of all those sites that show you a fourth method (in addition to the three ways as discussed above). The fourth method doesn’t exist.


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Posted in Credit Repair, Credit Reports | 4 Comments »

4 Responses to “How to Get Credit Report? Stay Away from Imposter Websites; Use These 3 Authorized Methods”

  1. [...] Obtain your credit report from the three major credit bureaus (TransUnion, Experian, and Equifax). Do a thorough analysis of the details provided on the reports. If you have missed some debts, you can find the information in these reports. Here are the three authorized methods to get free credit report. [...]

  2. [...] period (better, if you do it every six months). As per the laws, you are entitled to get one free report from all three major credit bureau agencies, at least once every [...]

  3. Albert says:

    Analysis of Credit Report is very necessary to know the exact details of your credit. It is important to do a thorough study of your credit report. There may be some wrong entries which can be scrutinized by this analysis. If any body wants credit report, he / she can get it easily by placing his or her request online. But it should be done carefully because there are so many unscrupulous websites present on the internet that they can misuse the data provided by you. The name of an authorized website is mentioned in the article is http://www.annualcreditreport.com. It is better to place your request on this website. One more thing is to connect rate upon the spelling of website address and should use the website directly into the address bar so that you can save your self by unscrupulous website. Any genuine website will never demand your personal information like credit card details etc. If you are facing such type of activities you should not use such websites. Getting a credit report can be done via mail also. You can get the details from the website. There is also available a Toll Free number to order your credit report.

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