Requesting your credit report may be the best decision you ever made, for a few fundamental reasons. The term and conditions, otherwise noted as the fine print, often implements regulations that unknowing consumers are unaware of. That credit that you have used religiously for the past several years  may in fact hidden interest rates, forcing you into a minim payment plan that is stagnating your credit score. For this reason, it is important to routinely request your credit report by mail, in its most official form. It is also important to note that identity theft is proliferating more rapidly than effort, and it is impossible to shield yourself from this impending threat 100%.

Even the most safeguarded individuals imaginable have their personal data and preferences readily available on the web, which is none other than a opportunity to capitalize on for a seasoned con artist. Everyday, identities are stolen and the quality of life is compromised. Countless stories have been narrated, in which model professionals with stellar credit scores became the unwitting victims of clever identity thieves. As a result of this, loans were applied for in their name,  credit cards were applied for and much more. In worse scenarios, homes were purchased in their names, and bank loans, mortgages and credit card payments were defaulted on-not by the innocent victim, but by the identity thief. This further exemplifies the undeniable importance of checking your credit score periodically. Credit building begins with one, simple step-perusing the details of your very own credit score. Below is a guide on how you can request a copy of your credit report by mail.

Required To Request Your Credit Report by Mail:

  •  Valid email address
  • Personal information
  • Permanent address
  • SSN
  • Valid ID

 Steps To Request Your Credit Report by Mail:

  1. Copy and paste the following URL into your browser or if your system allows, click the link we have provided here: www.annualcreditreport.com
  2. Under START HERE, select the state you are in.
  3. Click on the “Request Report” button.
  4. Enter relevant personal data, including shipping address
  5. Your personalized credit score will arrive promptly in the mail.