Friday, February 19, 2010

How Can You Get A Free Credit Report � The Options Available To You

There are several ways to get a free credit report from one of the credit bureaus. First of all, if you ordered a credit report from one of the three credit bureaus, they will usually allow you to access a free credit report for the 30 days after the order. This is. However, a free credit report only after you paid for the initial order. It is a good idea to keep in mind that any time a bad record is placed on your report or your request for credit is declined, you can get a free credit report. These are another two ways to get a free credit report and these two ways will save you some money.

First of all, you can get a free credit report if you got your request for credit or loan declined. If this case you will usually receive a written notice that your request for credit was declined and that you are entitled to a free credit report. Remember that you are entitled to a free credit report by law and a credit bureau that provided the information to the company requesting your credit record is required by law to issue you a free credit report. However, if you want your free credit report, you will have to request it from the credit bureau in writing and by attaching a letter stating that your request for credit was declined.

Another option to get a free credit report is if you had a negative item placed on your credit report and a credit agency notified you about that in writing. In this case you can request a free credit report to be sent to you during the 30 days after the receipt of the original letter.

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