You want to view your credit report, but you don’t want to wait six weeks to get it in the mail. What do you do? Go online and get an instant credit report, of course. It is very simple to do, and for those of us that hate to wait for anything, it’s the perfect solution.

To get your instant credit report, log onto www.annualcreditreport.com. This site allows you to view your credit report from all three major credit reporting agencies; TransUnion, Equifax and Experian. After answering a few simple questions about yourself and verifying your identity, there you have it–your instant credit report.

You can also go to each company’s website and request an instant credit report. If you use a search engine with the key words instant credit report, be careful of the companies that say you can receive your credit report instantly by using their services free for thirty days. These companies are credit monitoring companies and offer free credit monitoring for thirty days. After the thirty days is up, they charge you a monthly fee to continue with their services.

If you choose to go through a credit monitoring service to receive your instant credit report and you do not want to continue with their services, be sure to notify them a few days before your free trial is up. This allows them to note your account so you will not be billed.

The law requires that you receive one free credit report from each credit reporting agency every year and this can include the instant credit reports you receive online. Be sure to print out a copy of each instant credit report from each reporting agency and store them in a safe place for future reference.

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