| According to the Federal Law passed in 2005, | | | | Once you have made your selection, a screen will |
| everyone in UK is eligible to receive one free credit | | | | appear allowing you to immediately print your report. |
| report annually from each credit bureau. You can | | | | Here is an important reminder for you. You MUST |
| check your credit history and safeguard your credit | | | | PRINT your report. If you don't print at this time, you will |
| score at zero cost. Let me show you some simple | | | | lose your eligibility for a free file until next year. |
| steps to obtain your credit file on complimentary basis. | | | | If you are not internet savvy, don't worry. You are |
| Step 1: Go to the official website of Annual Credit | | | | recommended to contact this organization at |
| Report organization | | | | 1-877-322-8228 to request for your free credit report. |
| Why do you need to go to this particular website? | | | | The officers who attend the call normally require the |
| Seriously speaking, for security purpose, you are | | | | callers to answer some simple questions for |
| advised not to request your credit file from other | | | | verification purpose. Once they have identified the |
| parties. In UK, the Annual Credit Report website is the | | | | callers' personal details, they will deliver the reports to |
| only authorized online source where the consumers | | | | the callers within two to three weeks. |
| can access their file for free under the Federal Law. | | | | When you have received your credit report, you are |
| Hence, you should not go direct to the credit reporting | | | | reminded to read and check it for accuracy. Make |
| agencies if you want to get a copy of your file for | | | | sure all the information is updated. If you find any |
| free. | | | | inaccurate item, you must make your report to the |
| Step 2: Fill up the online form | | | | credit bureau immediately. |
| Go to the website and fill up the online form carefully. | | | | Now, what if you need your report again a few |
| You are required to provide your full name, address, | | | | months later? Can you still obtain it for free? It |
| social security number and the date of birth. | | | | depends on the situation. If you are currently |
| Step 3: Decide how many reports you wish to receive | | | | unemployed and you are receiving unemployment |
| Once you have provided your personal details, you | | | | benefits or public assistance, you are still eligible to get |
| should then decide whether you want to receive your | | | | your credit file at no cost. However, if you don't fall |
| report from one, two or three credit bureaus. In my | | | | under this category, you need to pay the reporting |
| personal point of view, you should request from all | | | | agencies for each report you need. |
| bureaus since you can get all reports for free. At the | | | | To sum up, everyone is entitled for a free report |
| same time, you can check whether the details shown | | | | every year. You will only be required to pay for the |
| in all files are the same and there is no mistake. | | | | report under certain unusual circumstances. |
| Step 4: Print your online report | | | | |