Check Your Free Credit Report Now

By
Services for Real Estate Pros with IDTheftSecurity.com Inc

When is the last time you checked your credit report? If it has been more than a year, you can get a free one. The issue is, however, is how to really understand it. Here’s some information about obtaining and reading your credit report.

Obtaining Your Free Credit Report

Based on US law, everyone is entitled to look at their credit report from all three major credit reporting agencies. If you want to look at more than that, you can pay a fee. This law dates back to 2003, and all three major bureaus, TransUnion, Equifax, and Experian, must allow people to access their credit reports from AnnualCreditReport.com. Keep in mind, you won’t see your credit score through the free reports. You’d have to pay to see your scores.

When you go to this site, you can fill out a form that requires a number of items. You have to supply your name and address, your date of birth, and your Social Security number. Once entering that information, you can submit it, and you will be taken to a new page.

The next page allows you to choose which credit reporting company you want a report from. There are checkboxes next to the name of these companies. You can select all three, only two, or a single credit reporting bureau. There are some cases where you might want to access all three reports at once, but there are also instances where you might only want to access one. This is further explained on the website.

Before you can access your credit report, you have to verify your identity. You should get a page of questions on the screen about a variety of things. It might include credit accounts, loan terms, or even what cars have been purchased by you. The only way to access your report is to answer these questions correctly.

Since this website is integrated with the sites of the credit bureaus, once you gain access, you will see how easy it is to switch from one report to the next. Now, you only get one free report each year, but it is possible to check reports again, if necessary. You just have to pay a fee of about $20 to view them.

Understanding Your Credit Report

Credit reports are not easy to understand. The top of your report contains information such as your name, address, employment information, and addresses. Next, you will see public records, such as collection accounts and judgements.

Next, you will see a list of all credit accounts you have in good standing. Revolving accounts are listed next, and then you will see all requests to view your credit report. Finally, you will see any personal statements that you have placed on your credit report. Generally, this is done if you have been a victim of identity theft.

Robert Siciliano personal security and identity theft expert and speaker is the author of Identity Theft Privacy: Security Protection and Fraud Prevention: Your Guide to Protecting Yourself from Identity Theft and Computer Fraud. See him knock’em dead in this Security Awareness Training video.

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Re-Blogged 1 time:

Re-Blogged By Re-Blogged At
  1. Gabe Sanders 10/17/2018 11:00 PM
Topic:
ActiveRain Community
Tags:
credit report
credit freeze
credit fraud

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Rainmaker
1,851,245
Grant Schneider
Performance Development Strategies - Armonk, NY
Your Coach Helping You Create Successful Outcomes

Good morning Robert - I haven't looked in a while.  I think I will look into this site.

Oct 04, 2018 09:10 AM #1
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Hannah Williams
Re/Max Eastern inc. - Philadelphia, PA
Expertise NE Philadelphia & Bucks 215-953-8818

Robert Siciliano  I usually ask a mortgage banker to run a credit report for me once a year

Oct 04, 2018 11:09 AM #2
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Kathy Streib
Room Service Home Staging - Delray Beach, FL
Home Stager - Palm Beach County,FL -561-914-6224

Hi Robert- good for all of us to know. And I remember what you said to freeze your credit. 

Oct 06, 2018 04:10 PM #3
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Kathy Streib
Room Service Home Staging - Delray Beach, FL
Home Stager - Palm Beach County,FL -561-914-6224

                          

                                    Thank you, Robert. 

Oct 06, 2018 05:31 PM #4
Rainer
17,992
Natalie Norris
Fetch A Geek - Orlando, FL
Real Estate Marketing & Consulting

Hi Robert, Found your blog through Kathy Streib 's post! 
I often forget this is something that is freely available, thank you! 

Oct 08, 2018 07:36 AM #5
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Jeff Dowler, CRS
Solutions Real Estate - Carlsbad, CA
The Southern California Relocation Dude

Hi Robert

This is terrific information for those who are not aware of their right to see a free credit report each year from each of the 3 credit reporting agencies.

Jeff

Oct 08, 2018 07:48 AM #6
Rainmaker
478,366
Bruce Kunz
C21 Solid Gold Realty, Brick, NJ, 732-920-2100 - Howell, NJ
REALTOR®, Brick & Howell NJ Homes for Sale

Thanks for shating this Robert Siciliano. It is certainly important to know what is going on with your credit. This is a helpful reminder to do so.
Bruce.

 

Oct 08, 2018 06:17 PM #7
Rainer
278,396
Ron Aguilar
Continental Mortgage - Saint George, UT
Mortgage & Real Estate Advisor since 1995

Great information. As a Mortgage broker, I normally ask the borrower to go to this site when I have concerns about their credit history at the initial stages. This avoids any unnecesary costs to us for credit report pulling. 

Oct 09, 2018 07:02 AM #8
Rainmaker
1,218,679
Gene Mundt, IL/WI Mortgage Originator - FHA/VA/Conv/Jumbo/Portfolio/Refi
NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656 - New Lenox, IL
708.921.6331 - 40+ yrs experience

Definitely applaud your timely message, Robert Siciliano ... and hope that it motivates many to take action.  It's important to do ... and not just when you hope to buy or finance a home ...

Gene

Oct 09, 2018 10:57 AM #9
Rainmaker
5,271,098
Roy Kelley
Realty Group Referrals - Gaithersburg, MD

This is certainly important advice to share with your readers.

Oct 18, 2018 10:51 AM #10
Rainmaker
3,192,433
Sally K. & David L. Hanson
EXP Realty 414-525-0563 - Brookfield, WI
WI Realtors - Luxury - Divorce

Always wise to keep an eye on your report...and correct any issues asap !

Oct 18, 2018 07:23 PM #11
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Realty Security and Identity Theft Expert Speaker
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