Some people are still not aware that under recent legislation, US citizens have free access to credit reports. This has come about to give people access to their personal information and also to help curb the growing threat of identity fraud.
There are a couple of ways that you can get your credit reports. First you can contact each of the 3 credit reference agencies; namely Experian, TransUnion and Equifax. Send them a letter stating that you want a copy of your credit report and they should respond within 60 days.
A more convenient method is to use the website annualcreditreport.com. This website was set up jointly by the 3 credit reference agencies to make it easy for people to get their credit reports.
By registering in one place you can obtain the report from each of the agencies. This makes things simple for you. Make a note of the date that you ordered your report so that you can return in one year's time. You can get free access to credit reports on an annual basis.
When you have viewed your details, make sure to print copies of each report. After you print your free credit report, be sure to keep it in a safe place. Your credit report has a lot of personal information on it that could be useful to dishonest people and criminals, such as your social security number and account numbers on loans and credit card accounts.
You should also be aware that some other companies have set up websites that sound very similar to the genuine website above. Some of these charge a membership fee to get access to your information. So if you want free access, make sure that you go to the above mentioned site.
Be sure to take advantage of the new law that allows you free access to credit reports. Not only this will allow you to see where your money goes, but it also goes a long way in helping to prevent someone from stealing your identity and engaging in criminal activity.
To find out how to get a totally free credit report visit http://www.freecreditreport-guide.com .