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Since a person's credit score can affect his or her finances, it is important to keep a track of your credit report. Many websites provide the credit score and credit report on payment of a fee or if the credit card information is provided. However, there are some resources and techniques which can be used by a person to get a free credit report.
Equifax, Experian and Transunion are the three major credit rating agencies in United States and they maintain a record of the credit history of an individual - the credit report. The credit report is periodically updated and the credit score is recalculated based on the financial transactions of an individual. Each of these credit rating agencies are required by federal law to provide a free report once a year to every individual listed with them.
To obtain a free credit report, an individual has to access the website Annual Credit Report (this website cannot be accessed through ISPs outside USA) . He can request a free credit report from each of the credit agencies once a year. By requesting a credit report from one of the three credit agencies after a period of four months, an individual can periodically keep a track of the credit record over a year.
No credit card information is required to get a free credit report from this website. The credit report includes identifying information about an individual, credit history, public records and enquiries made to the credit file. You should verify the records on the credit report . If there is incorrect information in your credit report, a dispute can be filed with the credit rating agencies to get it corrected/ removed.
If you are denied credit because of your credit report, you can request a free copy from the credit agency. The credit report maintained by each of the credit rating agencies may differ. However, a fee has to be paid, if additional credit reports are required or the credit score is needed.
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