Annualcreditreport.com provides you with exactly what you would expect: a free annual credit report from Equifax, Transunion, and Experian. You’ll be asked to verify your identity by entering your name, address, social security number, and date of birth. While I can’t be entirely sure what they do with this personally identifying information, I can tell you I have never received any sort of spam or junk mail from the site.
Once you’re logged on, you will be asked to choose which bureau you’d like to view your annual credit report for and forwarded to their website. You will likely be asked to answer a few questions based on the contents of your credit report that only you, the owner of those accounts, would know the answers to. They are normally easy questions such as “what is the name of the financial institution that owns your mortgage” or “which of the following companies do you have a credit card through.”
Finally, you’ll be presented with the basic facts of your credit report, including delinquencies, late payments, negative items, employer information (there are always wrong on my reports, btw), current and former addresses, and a number of other important entries. Pay close attention to make sure all the information is correct, especially that there are no false negative remarks. If everything looks good, congratulations, you’re done. If you notice a mistake, you’ll probably want to file a credit report dispute as soon as possible.
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