Free annual credit report
In September 2005, a law has been passed in America called Fair Credit Reporting Act (FCRA). It says that the Americans should generate credit card report. There are some companies which are giving this type of service. They claim that they do it freely for thirty days but actually they do not do it freely. They do charge some money from your credit card. They require your credit card information. Once you give your credit card information to them, they automatically charge some money and you do not realize because you forget this thirty days trail method. They give some score on your credit card based on the information like the payment of your bills on time or not, the amount of your expenditure, your annual income etc.
If you want to be on a safer side, please go for the companies: Equifax, TransUnion and Experian. They have made a central website called AnnualCreditReport.com. You can easily open it and have your free credit report yourself. It is as simple as that. These companies work free of cost. So, there is no need of giving some money to a company to generate the report. The only thing that you need is to open this site and fill the form. It can ask you some questions like how much you paid on your recent big shopping, how much your monthly payments on your mortgage are. Do not feel ashamed in answering these questions. They ask these types of questions as they want to know whether you are an imposter or not. So, please answer these questions. After giving such answers and by filling the form, you can easily generate your credit card freely. Therefore, go for the website mentioned above and have your report your own. Happy Reporting!