Saturday, December 12, 2009

Free Copy of My Credit Report - How Can I Get It?

If you are asking: how can I get a free copy of my credit report, there are several suggestions that I can offer you. If I were trying to get a free copy of my credit report, I would try to do that by first checking I if I was denied credit some time recently. I can get a free copy of my credit report by law during the 30 day after my request for credit or loan was declined because of the information that was provided on the credit report requested by the credit granting company. If the request for credit was declined, I can get a free copy of my credit report by writing to the credit bureau and attaching a copy of the letter stating why the request was declined and what credit bureau was used by the credit granting company. This way is the easies way to receive a free copy of my credit report.

Another way how I can receive a free copy of my credit report is if some negative information was posted on my credit history and a credit bureau notified me of that. The notice is usually sent to you by mail. If I were to receive this type of notice, I would contact the credit bureau immediately in writing and request a free copy of my credit report. In this case a free copy of my credit report I provided to me based on the law that requires the credit bureau to send a free copy of my credit report during the first 30 days after the original letter. Remember that you have to notify the credit bureau in writing and that you need your free copy of your credit report fast, while you still have time.

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