Consumers are entitled to and can get a free credit report from the government. Obviously, the actual credit report does not come straight from the government but the laws that entitle each and every person in the US to be able to get a free credit report from all of the three credit reporting agencies. This came about after the Fair Credit Reporting Act went into place. For this reason it is very simple to get a free credit report from the government, or at least take advantage of the laws they have put in place for us. To get your free credit report simple go to the anualcreditreport.com website and fill out an easy online request or mail in your request. You can also fax in a request.
When you hear the term “get a free credit report from the government” you probably assume that people are lining up at government agencies to get their report. Well, as mentioned earlier this is not how it works at all. However, there are somne government agencies that perform credit checks for a number of reasons. One reason is if you are applying for any sort of government loan. The good thing about this is that should you be denied for the loan you can ask for a free credit report within a certain period of time. In fact, anyone who has denied you credit must provided this report free of charge if you ask for it.
It is vital to keep up on what is being placed in your credit report. It is so easy for your credit score to fall in a very small amount of time. If you are not diligent about watching your score you may pay for it later. Credit mistakes are common and one step in catching them is keeping your credit report coming once a year minimum.