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There are a number of ways that you can obtain a free credit report. The fastest way to get your report is to go online and request a copy of your report. Many people assume that you must pay for your credit report and this is true to an extent. According to the Fair Credit Reporting Act you are eligible to obtain one free copy of your credit report once every twelve months. So, once a year you can request a copy of your credit report without having to worry about being charged for it. The credit report can come from one of the three major credit reporting companies, Equifax, TransUnion or Experian.

See your credit score on FreeCreditReport.com

On this free credit report you find such information as where you live, how you pay your bills and whether or not you have been sued or arrested. To order this credit report you can either go online or you may call a one eight hundred number to speak to someone regarding your report. You can also print off the application and send it through the mail. The latter will take the longest, if you are looking for speed then you should try going online and filling out an application.

When looking for a copy of your free credit report there are hundreds of websites out there that offer you a free service. However after creating an account and waiting to receive your report you find that they may require more information or they cannot access your information, which means you have to submit a payment so the information to get a copy of the report. You can get a free copy online as well, but if you need to download the report immediately, then you will have to pay a small fee for rush service.