Should you use online credit reports? If you're in a hurry, or simply like the ease of using the internet to get information, ordering your report online is the way to go.
No more having to call or write to the credit bureaus for the information. If you're worried about security, it's not a problem when you use a reputable company, like the ones listed below. To order, you will need a valid social security number (because this is how you are identified to the credit bureaus), and a credit card to pay for your purchase.
You also have the option of getting your report online through annualcreditreport.com. The FACT Act entitles all US residents to a free credit report every twelve months from each of the nationwide consumer reporting companies Equifax, Experian, and TransUnion. You should be able to access it immediately unless the consumer reporting company needs more information to verify your identity.
You can get a combined credit report that contains information from all three credit bureaus. This allows you to see the total picture of your credit history, since not all creditors supply information to all three credit bureaus.
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