We all cannot do without requesting for our credit report, because of its importance, ideally everyone should check their report at least once in every six month to keep a tab of the activities and document of your creditors and also to know your present credit status. It then becomes imperative for us to use the right medium of request to achieve our result. The instant credit report is one way to get it done.
Now, there are two ways to get our report, the method you use determines the speed with which you will receive a copy of your request. The online application and offline application are the different ways one can apply for one. There are merits and demerits attached to the two methods of application. And it will be good for you to know them so that you can make the right choice of the medium of application. Why should you choose an instant credit report over a regular one?
When you apply for your report online you will get an instant credit report since it is emailed immediately to you. A regular report is given to you when you apply either through phone or mail, it takes a longer time to receive this - hence it is not instant.
It is important to know that you have to be very careful while requesting for an instant credit report online, since your personal information can be collected by scams to defraud you - that is if you don't apply at the right place. Always go to the right website to request for your report to avoid dealing with fraudsters who are out there to steal your identity. It might lead you to bankruptcy, so be careful.
The downside of the regular method of application is that it takes more time to get. You can apply through a phone call and your credit report will be mailed to you and that might take some days or at most two weeks to get to you. If you decide to post a letter of application, your request will also be processed and mailed to you, taking about the same time or more. You can see that the regular process is slow, but it is safe since your personal information is concealed and sent to the right destination. The instant credit report is preferred by all these days, because it is received without delay.
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