Obtain your credit report for FREE

Every year consumers have the right to review their credit report for free. The Fair Credit Reporting Act (FCRA) requires that the three major credit bureaus (Equifax, TransUnion and Experian) provide you with your credit report. It is recommended that you take the time at least once a year to review your credit report. You can obtain information regarding the FCRA or the Federal Trade Commission (FTC) at www.FTC.gov.

The website can provide you with information regarding your rights and your right to obtain your annual credit report for free. A credit report provides information on where you live and your credit history. It also provides information on any legal issues you may have included being sued, arrested, or filed for bankruptcy.

This information is used to evaluate applications for credit, insurance, employment or renting a home. It is extremely important that you take the time to review your credit report and dispute any information that is not accurate on your report. This is often called disputing and can be done by the individual but is often very tedious and time consuming. A legitimate credit repair company such as Ovation Credit Services can obtain information from you about which items on your credit report is inaccurate and dispute that information for you until the information is correct. Credit repair is a legal way for you to correct information on your credit report that is inaccurate.

You can obtain your FREE credit report by one of three methods:

1. You can go online to annualcreditreport.com (be sure that you spell this accurately since there are many imposter sites).

2. You can phone 1-877-322-8228 and provide them with the necessary information.

3. You can obtain an Annual Credit Report Request Form (generally online at www.ftc.gov) and mail that to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281

No matter which way that you choose to obtain your credit report, you will need to provide some information. That information is your name, Social Security Number and date of birth. Sometimes you will need to also provide additional information to verify your identity. That information may include information that only you would know such as your monthly mortgage payment amount.

There are many imposter sites that will offer you a free credit report but only if you purchase one of their products. The authorized site may have some offers or additional products for sale but you are not required to purchase them to obtain your free credit report. That free credit report will have information from the three major credit bureaus.

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