{"id":21329,"date":"2022-11-09T01:14:00","date_gmt":"2022-11-09T00:14:00","guid":{"rendered":"https:\/\/ecreditdaily.com\/?p=9800"},"modified":"2022-11-09T01:14:00","modified_gmt":"2022-11-09T00:14:00","slug":"annual-credit-report-safe","status":"publish","type":"post","link":"https:\/\/businessfinancenews.com\/loans\/annual-credit-report-safe\/","title":{"rendered":"annual credit report safe"},"content":{"rendered":"<div readability=\"101.50415183867\">\n<h2>Do you think that getting a free Credit Report is Safe?<\/h2>\n<p>A credit report is a valid, important document. It can help you get the mortgage you need, a brand new car, or even a student loan. It could affect the credit card you are approved for and even an application for a job. A complimentary credit report can be safe If you\u2019re careful with the website where you receive the report.<\/p>\n<p>Three leading credit agencies issue the following credit report: Equifax, Experian, and TransUnion. They are among the most secure methods to get your credit report that ultimately impacts your credit score.<\/p>\n<h3>Key TAKEAWAYS<\/h3>\n<ul>\n<li aria-level=\"1\">The three Credit Bureaus Experian Equifax and TransUnion offer credit reports.<\/li>\n<li aria-level=\"1\">Phishing is a cybercrime that could occur when you apply for your credit card.<\/li>\n<li aria-level=\"1\">You can guard yourself against cyber-crime by not clicking hyperlinks to fraudulent sites.<\/li>\n<\/ul>\n<h3>Make sure you request your credit history.<\/h3>\n<p>The most common website for consumers to receive free credit reports is AnnualCreditReport.com. In 2003, the Fair and Accurate Credit Transactions Act (FACTA) allowed every consumer access to an annual free credit report. The three major credit bureaus worked together to create AnnualCreditReport.com for this purpose.<\/p>\n<p>The website is secured with SSL security and can be regarded as a secure website. You can request your credit report (Annual Credit Report Request Service) from each agency every year. Some users would like to request a report from each agency every four months to get free credit reports every quarter.<\/p>\n<p>Experian is the one credit company that can provide your FICO score. If you would like a FICO score from either Equifax or TransUnion, you\u2019ll need to pay fees to the respective agencies.<\/p>\n<p>Some major credit card issuers, such as Bank of America and Wells Fargo, give cardholders free credit scores. Interestingly, an increasing number of issuers of credit cards are providing no-cost credit scores to anyone\u2013not just cardholders. For instance, you do not require an account with a credit card or accounts with Chase or Discover to check your credit score free of charge.<\/p>\n<h3>Get Free Reports<\/h3>\n<p>An alternative is to directly visit one of the credit bureau agencies\u2019 websites (Experian.com, TransUnion.com, and Equifax.com). While TransUnion will direct you to annualcreditreport.com, you can get a free credit report directly from Experian\u2019s and Equifax\u2019s websites.<\/p>\n<p>Each bureau is legally required to allow consumers to obtain a complimentary credit report annually. If you are a victim of fraud, you could be eligible to get free credit reports, and the law says that if a business takes action to pursue you in a lawsuit, you may get no-cost credit scores. Suspicious behavior or unfamiliar accounts might be indicators of identity theft. Examine your credit reports to identify any issues early on. This law applies to insurance, employment, denial of credit, and any judgments or reports of credit from collection agencies. Consumers can request the free credit reports within 60 days of learning of suspect illegal activity.<\/p>\n<h3>Tips to ensure Security<\/h3>\n<p>Phishing is becoming a phenomenon in the world of cybercrime. It\u2019s the practice of presenting something as legitimate to get you to give your personal information to a third party, particularly the Social Security numbers. Many of these attacks are carried out through emails or websites that appear legitimate at first glance, but they\u2019re created to deceive you. Here are some tips to safeguard yourself<\/p>\n<ul>\n<li aria-level=\"1\">Do not click or go to the website via email, as it can lead to these fake websites.<\/li>\n<li aria-level=\"1\">Always examine the URL of the site within the address bar. If you see anything that appears suspicious, for example, the spelling of incorrect words or a word that is not correct, don\u2019t proceed.<\/li>\n<li aria-level=\"1\">Secure your personal computers with passwords, tablets, laptops, and mobile phones.<\/li>\n<li aria-level=\"1\">Be wary of sharing or providing any personal information via social media. Don\u2019t divulge or publish any information about your Social Security number or your actual birthday.<\/li>\n<\/ul>\n<h3>The Bottom Line<\/h3>\n<p>Free credit reports are an excellent way for consumers to keep track of and discover ways to increase the quality of their credit scores. However, with cybercrime, such as Phishing on the rise, it is crucial that you know the risks and only go to legitimate websites.<\/p>\n<h3>Manage Your Portfolio<\/h3>\n<p>Controlling your account is much easier than you think with the advanced tools for trading offered by Plus500 that allow you to create stop-loss and stop-limit prices and then create a stop order with a guarantee to your trade position. Additionally, you can sign up for no-cost email and push notifications of market events and receive alerts about price changes and Plus500 traders\u2019 moods. Find out how to trade CFDs using Plus500 and begin with an account for a demo at no cost. Seventy-two percent of retail CFD accounts fail to make money.<\/p>\n<p>Tags<\/p>\n<p>table of contents, offer free weekly online credit reports, authorized by federal law, pandemic accessing your credit<\/p>\n<div class=\"abh_box abh_box_down abh_box_business\">\n<div class=\"abh_tab_content\">\n<section class=\"vcard author abh_about_tab abh_tab\" itemscope itemprop=\"author\" itemtype=\"http:\/\/schema.org\/Person\" readability=\"4.1447368421053\">\n<div class=\"abh_image\" itemscope itemtype=\"http:\/\/schema.org\/ImageObject\"> <noscript><\/noscript> <\/div>\n<div class=\"abh_text\" readability=\"35.921052631579\">\n<p>Jason writes about all financial topics such as loans, debt solutions, and bankruptcy. He is an expert when it comes to subjects like APR, loan fine print, debt collection laws within the United States. With his in-depth\u00a0knowledge of all things financial, he is a great asset to Greendayonline.<\/p>\n<\/div>\n<\/section>\n<section class=\"abh_posts_tab abh_tab\">\n<div class=\"abh_image\"><noscript><\/noscript><\/div>\n<div class=\"abh_text\" readability=\"11.935\">\n<div class=\"abh_name\" readability=\"5.7435897435897\">Latest posts by Jason Rathman <span class=\"abh_allposts\">(see all)<\/span><\/div>\n<\/div>\n<\/section>\n<\/div><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Do you think that getting a free Credit Report is Safe? A credit report is a valid, important document. It can help you get the mortgage you need, a brand new car, or even a student loan. It could affect the credit card you are approved for and even an application for a job. A<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[4],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>annual credit report safe - Business Finance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/businessfinancenews.com\/loans\/annual-credit-report-safe\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"annual credit report safe - Business Finance\" \/>\n<meta property=\"og:description\" content=\"Do you think that getting a free Credit Report is Safe? 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