How can I view my credit message and score?
Every citizen and legal resident of the United States are entitled to an annual copy of his credit report and score, as entrusted with the Federal Message Act (FCRA). The aim of this act is to inform citizens to avoid theft of identity and fraud and inform them about personal decisions or debts that could affect their purchasing power. This credit message is available on the official website of the Annual Credit Report. Sometimes those looking for a loan for large purchases will find themselves rejected when they believe that their credit was clean to find that an unknown account is delinquent. Sometimes these accounts are opened by someone else's unlawful means, while at other times they are valid accounts that the individual has lost an overview of movement or other means.
Website annual credit messages are the fastest, easiest way to get a copy of credit messages and score. This website provides messages from three main loan reporting agencies, Equifax®, TransunioN® and Experian®. Users log in to the web and can immediately receive a digital copy that you can view. It is also possible to obtain a credit message and a score directly from the three reporting agencies, but when they contact them outside the annual loan website, they usually charge a fee for this service.
In order to get a free credit message and score, users must be ready to state their name, address, social security number, date of birth and any previous addresses. Another security question will ask for an answer that only a user, such as a monthly payment or account balance, would know. For those who do not have Internet access, the annual loan message and score can be obtained by calling Hot Line for 877-322-8228. The same questions will be asked as in online form. However, this message is not immediate, but rather will be accepted by mail in about 15 days.
Another website,They offer free credit message and score, have the conditions connected to them. Some require users to apply for credit cards to get a message while others require a subscription to a monitoring service. It is important to read a small press in any online form, as the credit request can reduce the score. Many users are disappointed to find that their “free credit message” is followed by a price tag for services that do not even want. It is safer to trust only the annual credit report to the website.