A credit report is a detailed report of your credit history. Credit reporting bureaus gather data from your credit history to produce a credit report. It is from your credit report that your credit score is derived. Your credit score is important in applying for loans and credit; therefore, your credit report is also important. Under the Fair Credit Reporting Act, each individual is entitled to get a free annual credit report, so you may want to review your credit report annually to check for inaccuracies or watch out for signs of fraud or identity theft. It is important to always make sure your financial affairs are in order. If you are an employer, you may also see our Sample Expense Report Forms to keep track of business expenses incurred by your employees.
Annual Credit Report Form Template
Annual Credit Report Request Form
Transunion Annual Credit Report Form
Annual Credit Report Dispute Form
Ways to Get a Copy of Your Credit Report
- Go online. You may visit AnnualCreditReport.com. This is a website set up by the three major credit reporting bureaus (Equifax, Transunion, and Experian) to provide easy access to credit reports. You will need to provide your personal information and verify your identity. You might only be able to view your credit report once, so it is advisable to print or save it.
- Call 1-877-322-8228 to request a copy of credit report by phone. It will then be mailed to you within 2 to 3 weeks.
- Have it sent by mail. You may download and fill out the Annual Credit Report Forms we have, depending on which credit bureau you want it from. Mail it to the respective credit bureau and the credit report will be mailed to you within 2 to 3 weeks.
Importance of Checking Your Credit Report
- When you check your credit report annually, you can make sure that everything in it is accurate. If you ever find inaccuracies, it is important to report these right away. You may report to the respective credit reporting bureau online, by phone, or by mailing them an Annual Credit Report Dispute Form that you can download here. You may also want to report the inaccuracy to the creditor so that they can rectify it. Otherwise, they may report it again and it might still show on your credit report.
- Credit reports are also a good way to check for signs of fraud or identity theft. Identity theft is no longer uncommon and it is important to always safeguard your information so it will not be stolen. If you have a business, you may also want to file Business Expense Report Forms to keep track of business expenses.
Equifax Annual Credit Report Form
Annual Credit Report Request by Mail
Annual Credit Report Application Form
Annual Credit Report Order Form
Your credit report is very important. Your credit score is based on it. Employment, loan application, and credit card application rely on information on your credit report, and that is why you should always check it from to time. We also have other forms like Sample DMV Accident Report Forms. These forms are to be submitted to the DMV if ever you get involved in a road accident.
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