Thursday, December 10, 2009

Free Access To Credit Reports � How Can You Get It?

Free access to credit reports is a very good thing. Normally you don�t get a free access to credit reports. When you order your report, you have to pay a certain fee to one of the credit bureaus. This fee can range fro $30 to $50. Instead of spending your money to pay the fee, you should look for the opportunities to get free access to credit reports. There are a couple of ways how you can get this free access to credit reports. These ways will be described in this article. You may or may not be eligible, but this is worth the try.

One of the ways to get a free access to credit reports becomes available to you when you applied for credit and it was denied to you based on some information on your credit report. Because your credit request was denied, you receive a right to get a free access to credit reports from the credit bureau that denied your request. There is a time limit for this type of free access to credit reports. You will have to make a request during the first 30 days after your request for credit was denied. Using this option to receive a free access to credit reports is always good, no matter if you did or did not intend to get your report before.

Another way to get a free access to credit reports is when a negative item is placed on your credit report and the credit bureau informs you of that in writing. If you receive this information, you can request a free access to credit reports from these bureaus during the first 30 days. This option is available less often but is also an important one.

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