The Easy Way To Gain Access To Your Free Online Credit Report在简单的方法来获得您的免费在线信用报告

Article source: http://www.kabish.com/ . 文章来源： http://www.kabish.com/ 。 Used with author's permission. 用作者的许可。

When you apply for credit, those lending you the money want to know if you are going to pay them back.当你申请贷款，这些贷款的钱你想知道你会向他们支付了回来。 One way they decide if you are a good risk is to see how you've dealt with other people's money.方式之一，他们决定如果你是一个很好的风险，就是看你如何处理与其他人的钱。 They find this information in your credit report.他们发现这方面的信息您的信用报告。

Your credit is reported to three main credit bureaus and these bureaus then rate you.您的信用报告，以三个主要征信机构，这些机构随后率你。 If you are planning to apply for credit, it would seem that knowing what is being said about you would be a good idea.如果您正计划申请信用，似乎知道什么是正说，你将是一个好主意。 This way, you can take care of any problems and be aware of them before you begin.这样，您就可以照顾任何问题，并意识到他们在开始之前。

It's Easy这很容易

Getting your hands on your credit report is easy.让您的手放在你的信用报告很容易。 All you need to do is call the number of the credit bureau and follow their directions:所有您需要做的是电话号码的信用局，并按照他们的方向：

Equifax Options PO Box 740123 Atlanta, GA 30374-0123 http://www.equifax.com艾可选项邮政信箱740123佐治亚州亚特兰大30374-0123 http://www.equifax.com

Experian Consumer Opt Out PO Box 919 Allen, TX 75013 http://www.experian.com Experian的消费者退出邮政信箱919阿伦，美国得克萨斯75013 http://www.experian.com

Trans Union Name Removal Option PO Box 97328 Jackson, MS 39288-7328 http://www.transunion.com跨联盟的名称去除期权邮政信箱97328杰克逊，质谱39288-7328 http://www.transunion.com

However, it is even easier to do online.然而，更容易在网上做。 Simply go to the listed website and get started.只需转到列出的网站，并开始使用。 Here are a few things you will need:这里有几件事，您需要：

# Full name - this includes middle, maiden, Jr., Sr., and III, etc ＃全名-这包括初中，婚前小，老，和三，等

# Social Security number - you must have one in order to do this online ＃社会安全号码-你必须有一个为了做到这一点在线

# Driver's license information - your DL number plus state ＃驾驶执照信息-您的消旋加上一些国家

# Current address and your address within the last five years - if you have had more than one in the last five years, you will need to have each of them ＃目前的地址和您的地址过去五年内-如果你有一个以上在过去的五年里，你将需要每个人

# Date of birth ＃出生日期

# Signature - for online requests, you will have to type your name and follow their instructions ＃签名-在线请求，您必须输入您的姓名，并按照其指示

# Home telephone number ＃家庭电话号码

# Employer - if you are employed ＃雇主-如果你是受雇于

# Credit Card or Debit Card to pay the fee - it is usually $8 to $10 ＃信用卡或借记卡支付费用-通常是8美元至1 0美元

Coming Free to Your Area Soon今后免费到您的地区尽快

Beginning in December 2004, you will be able to get a free yearly copy of your credit report.从2004年12月，你将能够获得免费的副本每年您的信用报告。 Then getting your credit report will be even easier.然后让您的信用报告将更为容易。 Instead of having to go to the three major bureaus, you will be able to go to a centralized source with a toll free number or a website.而不是去的三个主要机构，你将能够去一个集中的来源与免费电话号码或一个网站。

Schedule for Phasing In Access to Free Credit Reports:附表逐步获得免费的信用报告：

December 1, 2004: Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana, Nevada, New Mexico, Oregon, Utah, Washington, and Wyoming. 2004年12月1 ：阿拉斯加，亚利桑那，加利福尼亚，科罗拉多，夏威夷，爱达荷，蒙大拿，内华达，新墨西哥，俄勒冈，犹他，华盛顿和怀俄明州。

March 1, 2005: Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Missouri, Nebraska, North Dakota, Ohio, South Dakota, and Wisconsin. 2005年三月一日：伊利诺，印第安纳，爱荷华，堪萨斯，密执安，明尼苏达，密苏里，内布拉斯加，北达科他，俄亥俄，南达科他，和威斯康星州。

June 1, 2005: Alabama, Arkansas, Florida, Georgia, Kentucky, Louisiana, Mississippi, Oklahoma, South Carolina, Tennessee, and Texas. 2005年6月1 ：阿拉巴马，阿肯色，佛罗里达，乔治亚，肯塔基州，路易斯安那州，密西西比州，俄克拉荷马州，南卡罗来纳州，田纳西和得克萨斯州。

September 1, 2005: Connecticut, Delaware, District of Columbia, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, Vermont, Virginia, and West Virginia, Puerto Rico, and all US territories. 2005年9月1号：康涅狄格州，特拉华州，哥伦比亚特区，缅因，马里兰，马萨诸塞，新罕布什尔州，新泽西州，纽约州，北卡罗来纳，宾夕法尼亚，罗德岛，佛蒙特，弗吉尼亚州，和西弗吉尼亚州，波多黎各，和所有美国领土。

Getting your credit report online is easy and getting easier all the time.让您的信用报告网上很容易和越来越方便的时间。 It is in your best interest to check out your credit reports yearly so that you can check for errors, and recognize problems quickly enough to correct them.这是您的最佳利益来检查你的信用报告每年这样您就可以检查错误，并承认问题不够迅速予以纠正。

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