Get my credit report is
fairly easy .The credit report
serves as the basis for one’s credit reputation, i.e. one’s history of
borrowing and repaying plus a background about bankruptcy and late
payments.
When people ask how to get my credit score rather than the credit report
it is
a bit of a mistake as they are one and the same. Your credit score is
the final
score but the report will show any payment problems and you can then
talk to equinox about fixing any errors. If you choose to get your
credit report through
Annual Credit Report.com, you can view it instantly. If you’d rather
receive it
through snail mail by calling the toll free number, to get my credit
report
would take about 15 days. You should take note though that when
receiving your
report through snail mail, situation arises where credit bureaus would
need
more than 15 days to hand you over your annual report. Most of the time,
it is
caused by their need to verify some more the information you’ve given
them or
when the credit bureaus themselves are stuck in a pile of requests. If
ever you
experience this, you may call again to remind them of your request or
you may
ask them when they would have the time to look over at your application
and
already get my credit report.
Credit reports requested online are available
immediately and are encrypted for security reasons, says Rod Griffin, the
director of public education for Experience, based in Costa Mesa, Calif. Reports
requested by telephone take about seven to 10 days to reach consumers by mail.
Mailed reports do not include information that would be dangerous in the wrong
hands, such as the consumer's entire Social Security number. Creditors make
those calculations based on the data included in your credit report. As a U.S.
citizen, and presumably the owner of a Social Security number, you're financial
history is a public record. Your financial background, including payment
history, They also work the same way in
providing your credit report for free, assuming you don't mind getting the
report by snail mail. If you want to get an instant credit report by email,
you'll have to pay a fee. Credit
reports are one of the most widely used documents by banks as well as many
other firms such as mobile phone firms, insurance companies, mortgage ...