Free Credit Report by Law

Getting Your Free Credit Report by Law

Did you know that you have a right to obtain a free credit report by law in Royal Oak MI or in any state? It's true! You can take control of your credit and monitor what affects your credit score by making a simple request online, by phone or by mail. This page gives you a starting point to obtain your free credit report by law in just minutes!

A free credit report by law is available online to residents of Royal Oak MI or any city/state through a government-authorized website, AnnualCreditReport.com. This site provides your printable credit history from the three top reporting agencies-Equifax, TransUnion and Experian. Once you make a request for your free credit report, by law this site must allow you to request it once per year from each of the three agencies. This means you can obtain your free credit report by law up to three times per year through three different sources.

So whether you live in [statetitle] or another location, it's easier than ever to get your free credit report by law. Once you receive your printable history, notice if there are judgements, liens, outstanding accounts, etc. that could affect your credit score in a negative way. Although there is a waiting process for these to disappear from your credit history, you can still take steps to begin paying off these debts and work towards a future of better credit. Any effort that's made to pay will show on your credit history as well. You can also use the free report to monitor the number of inquiries, catch credit errors, and to fight identity theft.

It's so easy to request your free credit report by law that there's no reason why you can't improve your credit score. Don't leave it to chance or assume that everything on your credit history is accurate. With the free report being so readily available, you can take control and start enjoying the reward of having great credit!