If you are asking yourself a question whether you can get the annual credit report for free, the answer is yes. You can get your annual credit report for free through the Annual Credit Report Request Service. This is a recent development. Under a new law you are entitled to a free annual credit report since it is an excellent way to fight the theft of your personal and financial information. Some of the states have the similar laws and provide similar programs, which offer you the annual credit report. However, the national service is directed towards the resident of all states.
In order to request your free annual credit report you will need to access the official website that provides the free annual credit report. This website will allow you to request a free annual credit report every year for each of the three major credit reporting bureaus: TransUnion, Experian and Equifax. The request process is straightforward and simple. You can request the annual credit report online, by phone or by mail. Requesting the report online is the best and the fastest method since you will get the report immediately.
There are some eligibility requirements to receive your free anual credit report. These eligibility requirements say that residents of different states will be able to receive their annual credit report starting on different dates, established on the rollout plan set by federal regulations. The central website that offers the free annual credit report lists the dates when the annual credit report service becomes available in each state. The website also provides information of how to request the free annual credit report by phone or by mail. However, this way you will receive your report only after two to three weeks have passed.