Where can I get free credit report online and what does it take to request it? What are the necessary steps to follow when requesting credit reports?
What is a credit report?
Credit report is very important because this report contain useful information about your history of bill payments, your current debt and other financial information. Credit reports can show where you work and live and whether you’ve been sued, arrested or filed for bankruptcy. 
Follow this step by step guide on how to request free credit report online via AnnualCreditreport.com;
Step 1. Fill out a form.
Fill our one form to request one, tow or three credit reports. All you need to do is to type the necessary information such as your complete name, birthday, social security number, your current U.S. address and your previous address in United States.
Step 2. Pick the reports you want.
You can request credir reports from Equifax, Experian or TransUnion.
Related: Credit Score: USA Credit Reporting Companies like FICO
Step 3. Request and review your reports online.
Note: You will answer a few questions before you get your credit reports. These set of questions are meant to be difficult. You may even need your personal record to answer them. These questions are used to ensure that nobody but YOU can get your credit information. After you review your credit report, print it so you can have your references.
Other Ways in Requesting Free Credit Report
You should always check your credit report to ensure that your personal information are accurately reported. It is also important to check your credit report regularly to ensure that your personal information was not used by other person. Here’s the other way to request free credit card report;
You can request free credit card report via phone, just call Call 1-877-322-8228. Deaf and hard of hearing consumers can access the TTY service by calling 711 and referring the Relay Operator to 1-800-821-7232.
Requesting Free Credit Report by Mail
Or by mail, complete the annual credit report request form here, download and print it, then mail to;
Annual Credit Report Request Service
PO Box 105281
Atlanta, GA 30348-5281
Before you apply for a loan, make sure you review your credit report. Of course, if you think your credit score isn’t good, fix it before you apply for a loan. Lenders will surely approve loan application from those who know they can repay it.