Credit history check free Anchorage

If a person has not repaid the earlier loan taken in time, his credit report would definitely incorporate such factor and as such, the credit report would be imperfect one. In such cases, the lender would not like to treat the customer as standard one in most of cases and the person would have to suffer by way of facing problems in getting the credit facilities and getting it at higher credit history check free Anchorage interest rates. So, it can be said that the credit report provided by various government agencies affect the credit taking capabilities of credit history check free Anchorage a person to a great extent . GOVERNMENT credit history check free Anchorage CREDIT REPORTS IN UNITED STATES In United States, there are three agencies that have been authorized by the federal government to issue credit reports. Whether a person desires or not, the three credit reporting agencies viz.

Trans Union, Equifax and Experian, have to submit the credit report of a person at least once in a year as per the Fair Credit Reporting Act . This report is issued to all the lenders that make request for the same . If a credit history check free Anchorage person wishes, he can also get his government credit report free of cost by requesting the government agency based in Atlanta in the state of Georgia. This credit report is provided to a person free of cost and can be had by way of mail or phone . Generally a person is able to get the free government credit report within 15 days of making the credit history check free Anchorage request . 3 credit reports free There are some prerequisites for getting the free government credit report . A person is required to give his name, address, social security number or the identification number and date of birth . It is very important to note here that as per the federal law in the United States, a person can obtain his free credit report from the government if he has been denied credit by any financial institution or by other such lender, if any company has taken any type of unfavorable action against him ; when his application for the insurance or employment have been rejected etc . The reader should note that for getting free credit report from the government agency, a person must make a request for the same within 60 days of receiving the notice relating to the unfavorable action . If a person thinks that his credit report provided by employer, lender etc is inaccurate or is unacceptable, he credit history check free Anchorage is entitled to get the free government credit report. In case of identity theft also, a person can demand for the free government credit report . creditcheck Since the credit report contains all the financial history of a person, it can affect the person in many ways . If a bad credit remark is made in the credit report of a credit history check free Anchorage person, it is not removed until 10 years . THE CONSEQUENCES OF GOVERNMENT CREDIT REPORT There are many consequences of free government credit report. It is a huge relief credit history check free Anchorage for all the people living in United States to get the free government credit report once a year. A person can easily know about his credit score and if he wishes, he can go for taking a loan that can improve his credit rating and scores . Since a person is entitled to get the free report once a credit history check free Anchorage year, he can plan for taking loan and other credit facilities accordingly . It is advised here that even if a person does not require the government credit report for any reason, he should get it once credit history check free Anchorage in a year to know if everything is credit history check free Anchorage all right or not. This is because it has been seen in many cases that due to identity theft, fraud etc, and a person become a victim of the credit history check free Anchorage act that he has never committed.

If credit history check free Anchorage the free government credit report contains any credit history check free Anchorage such mentioning, the person should get the problem fixed, before it affects him in any credit history check free Anchorage way or affects his credit score. free credit reporting act Since credit history check free Anchorage the government free credit report is provided to the person whose name appears in the report, no other person can apply for the free government credit report . In the credit history check free Anchorage past years, the free government credit report has helped many people in getting fair treatment and fighting theft, fraud etc. In current credit history check free Anchorage times, people living in all the 50 states in U .S can ask for the credit report from various credit rating agencies .