Andy Zain offers the following royalty-free article for you to publish online or in print. Feel free to use this article in your newsletter, website, ezine, blog, or forum. ----------- PUBLICATION GUIDELINES - You have permission to publish this article for free providing the "About the Author" box is included in its entirety. - Do not post/reprint this article in any site or publication that contains hate, violence, porn, warez, or supports illegal activity. - Do not use this article in violation of the US CAN-SPAM Act. If sent by email, this article must be delivered to opt-in subscribers only. - If you publish this article in a format that supports linking, please ensure that all URLs and email addresses are active links. - Please send a copy of the publication, or an email indicating the URL to [email protected] - Article Marketer (www.ArticleMarketer.com) has distributed this article on behalf of the author. Article Marketer does not own this article, please respect the author's copyright and publication guidelines. If you do not agree to these terms, please do not use this article. ----------- Article Title: How To Access Your Government Credit Report Author: Andy Zain Category: Credit Word Count: 446 Keywords: government,credit,report,reports Author's Email Address: [email protected] Article Source: http://www.articlemarketer.com ------------------ ARTICLE START ------------------
The Fair Credit Reporting Act, or FCRA, entitles you to a free copy of your own government credit report every year. You are assured of the privacy and accuracy of information when you deal with the authorized consumer reporting companies. Your credit report has information like where you live, how your bills are paid, whether you have been bankrupt, sued or arrested. The consumer reporting agencies sell your credit report to companies that need the information to help them make decisions about whether to lend you money, extend you credit, rent you a property, offer you insurance or give you a job. There are several reasons why you might need your credit report. If you are going to apply for a loan, get insurance or go for a job, you might want to ensure that the information contained in your credit report is accurate and correct. Your report contains some information that can affect your ability to be approved for a loan and the cost of that loan to you. Checking your credit report annually is also a precaution against identity theft. Also, if you have had credit declined, your credit report could contain information that will tell you the reason this happened. There are currently just three nationwide companies that are credit reporting agencies, and they are contactable through a combined website, a toll-free phone number and a mail address. You can request one credit report from each company within any year. Remember, that you do have rights under the FCRA. A good place to start is to visit the website - www. Annualcreditreport. Com, where you will find answers to any questions you might have and information as to how to apply for your report to be sent to you. You will have to fill in the usual information to identify yourself: name, birth date, address, SS number. You will need to give your past address if you have moved within the past two years. There may be extra questions asked in order to make sure you are entitled to get your report. The website given above is the only authorized website for credit reports. Other websites exist that claim they provide the free reports, but you usually end up paying over money or parting with personal information. Watch out for the ones that offer you a "free" service with fine print that says they will charge you after the "free" trial period is over. These website are not official and cannot access your free government credit report. The official website will never send emails asking for personal information or money, so you can be confident that your privacy is safe when you apply for your annual government credit report. For more information and tips on credit reports, visit http://www.creditreportyes.com ------------------ ARTICLE END ------------------ [Non-text portions of this message have been removed]
