Free 3 credit bureau reports

Free Credit Report is the right of every American given by the act named Fair Credit Reporting Act (FCRA). The act was passed in September 2005.It encourages the Americans to have their credit card report. Some of us are giving some money to the companies and ask them to generate the report. The companies require our credit card information. Most of us give them easily but there are some who do not want to give them for some safety purpose. The companies say that they are providing this report freely. But if we watch their work carefully, we will find that they are doing some fraud to us as when we give our credit card number to them, they charge some money for their service. So, it is very bad. What we can do is: Go for the companies like: Equifax, TransUnion and Experian. These companies are providing this service without any cost. What they have done is: they have made a central website, and through the site you can have your free credit card report. It is very simple to avail. What you should do is: Just open the site and fill the form. If you have moved somewhere in the last two years, please report to the company. An icon of padlock symbol will be shown to the bottom right hand of the screen. Click on that and give the information. It can ask you questions on your income, expenditure, shopping, savings and investments. Do answer these types of questions as they are very much needed in order to generate your report. By following this procedure, you can generate your free annual credit report. If you want that they should give you credit card report twice in a year, they will charge some money. So, go for reporting because it is as simple as can be.