Everyone is entitled to a copy of their credit report every year. You have 3 ways of obtaining it
- Call Toll-Free 877-322-8228
- visit annualcreditreport.com
- Mail a request form to Annual Credit Report Request Service PO Box 105281 Atlanta, GA 30348-5281
AnnualCreditReport.com is the official site to help consumers to obtain their free credit report once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.
The above information will only give the information that is reporting on your credit which will give you the ability to dispute inaccurate information but will not give you your credit score.
There are many other websites that allow you obtain your credit score and charge you fees. Some our legitimate and some are not. Some have monitoring capabilities and can give you ways to improve your score. For many people just reviewing it every year to make sure everything is accurate is enough.
One of the main factors that go into qualifying for a loan is how you have paid your bills in the past. The importance of paying your bills on time can not be understated when it comes time for you to buy or refinance your house. Any questions please contact me Mark Nehs at 262-347-2953 or mark.nehs@pncmortgage.com
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