iLife Credit Protection Service / Consumer Data Protection Service / Financial Fitness Gym

Tyrone Glover CEO / President / Credit Coach / Substitute Teacher / Accidental Consumer Advocate 805-428-9424 Schedule a free Forensic Financial Data Analysis

Your Financial Life, Is Not A Score! It’s Your History! What’s Your History Saying About You?

Annual Credit Report 3

Request your report online for ease of access. The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies to provide you with a free copy of your credit report, should you request one, once every 12 months. The easiest way to request your report online, and view it instantly, is to visit the website that the three credit reporting agencies: AnnualCreditReport.com.

Annual_Credit_Report_001Click to proceed to next step!

Annual_Credit_Report_002

  1. Fill out basic information and choose which bureaus you want to receive reports from. AnnualCreditReport.com will ask you basic questions about your name, date of birth, address, social security number, and place of residence before requesting you choose which bureaus you’d like to receive reports from.
    • You don’t have to choose reports from all three bureaus, but it may be helpful; different bureaus may have different credit information. Having all three reports is probably more definitive than having a single report.

Annual_Credit_Report_001Click to proceed to next step!

Annual_Credit_Report_003

  1. Verify your identity. After landing on the website, you will be asked five basic questions about your finances and previous addresses before you will have access to your report. This is a safeguard against identity fraud.

Annual_Credit_Report_001Click to proceed to next step!

Annual_Credit_Report_004

  1. Interpret your credit report. Once you reach your credit report, scroll down and look at the rating key provided by the credit bureau. It should contain various icons and explain what they mean. A very good credit report will contain many, if not all, “current” or “OK” signs. A not as good credit report will contain late, collection, charge off, repossession, or foreclosure icons, signifying a less-than-stellar repayment history.
    • If you’re looking for your credit score, it should be fairly easy to begin the process on the landing page of your credit report, but don’t expect it to be free. Credit scores often cost money to obtain; third-party sites that purport to give you free credit scores often use bait and switch tactics to get you to pay money.
    • So what’s the difference between a credit report and a credit score? One website describes it this way: “If credit was a term paper, the score would be your grade at the top and the report would be the feedback your professor wrote about how well you performed on the back.
  2. Navigate back to AnnualCreditReport.com and look at your next credit report. AnnualCreditReport.com should make it easy for you to toggle between one credit report and the next. Check out each one at your leisure and print them out for your records.

Your free annual credit report does not include credit scores

I’m always here to assist, should you need my assistance!   888-323-6380

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