Free Credit Report

If you are trying to refinance your current high interest home loan into a lower rate but have been told that your credit score is too low then your first order of business is to get a free credit report and find out exactly why your credit score is low.

Free Credit Report-How to Get a Free Credit Report

There are three ways to get a completely free credit report without paying out a dime or giving a credit card number. In fact if a free credit report offer asks for a credit card number it is not offering you a free credit report it is merely offering you a enticement to sign up with their service and you will find within a month that they are charging your credit card for some service or other that was in the small print of their offer.

Free Credit Report-Strategy 1

If you have been turned down for credit and the reason stated on the denial is credit related then the denial will state the source of the credit information which caused your credit application to be denied. You are entitled to a free credit report from the source used to deny your credit application within a60 days from the date of the credit application denial.

If you have been turned down for employment and the reason stated was credit related you are also entitled to a free credit report form the credit agency who supplied the information used to deny you employment application.

If you have been turned sown for insurance and the reason stated was credit related you are entitled to a free credit report within 60 days from your insurance application being turned down.

Free Credit Report-Strategy 2

Strategy three for getting a free credit report only applies to a few states.

The following States require by law that you are entitled to a free credit report at least once a year:

• Colorado
• Georgia
• Maine
• Maryland
• Massachusetts
• New Jersey
• Vermont

Also in the following States you can get a reduced price credit report:

• California $8.00
• Connecticut $5.00
• Minnesota $3.00
• Montana $8.50
• Virgin Islands $1.00

Free Credit Report-Strategy 3

Federal law requires that an individual is entitled to a free credit report annually. You can get a free credit report by going to “annual credit report dot com”. They will actually give you a free credit report for each of the three major credit reporting bureaus, TransUnion, Experian and Equifax.

Free Credit Report-Credit Score

By availing of services which offer a free credit report you can discover exactly why your credit is bad and what’s more you can use the information gained from your free credit report to repair your credit and improve your credit score.