Many people before they apply for auto loans online will want to pull their credit report and those consumers have found themselves obtaining a fake credit report or a credit report that they had to pay for when they thought they were getting a free credit report. Not many people are aware of this, but the credit report services that are advertised online and on television are not the legitimate website that most people should be using to get their free credit report. The credit report service that is legitimate is called Annual Credit Report, whereas the service that will charge them is called Free Credit Report. While this may not seem like a large difference, it is substantial.
How Do You Get a Real Free Credit Report?
Always go to the government-based website or directly to one of the three credit bureaus; Equifax, Experian or Transunion. You should never use any other sites no matter how legitimate they seem, simply because you do not need to.
Always make sure that you are not asked for your credit card information. If you are asked for your credit card information to retrieve a free credit report you will almost always get charged later on. There is no reason a company should need your credit card information for a free report.
Double check the URL in the address bar when you are completing your credit report request. Some websites can have very similar URLs to the real websites, but may have slight differences. These slight differences may mean that you are on a website that you didn’t know you were on.
What is the Process for Getting a Free Credit Report?
When you get a free credit report the website will simply ask you which bureau you want the report from and then it will ask you some basic questions about yourself, such as your date of birth and your social security number. The website will not ask you for your credit card information. Once you have given the website the information that it requires it will simply display your credit report and you will be free to save it, print it or request it as a hard copy. This is a great way to know if you need to seek out bad credit car finance from Ontario Cars On Credit or if you need to get a regular car loan it will all be possible when you fill out an application here.