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How Safe Is An Online Credit Report?

Online credit report and score advertisements are everywhere you look. No matter where you look there always seems to be advertisements tell you to “check your online credit report and score.”

Though, you could possibly be thinking, “I know checking my credit information is important, is it safe to view my online credit report?”

The answer to this question is…YES! As long as you are cautious to access your online credit report through a trustworthy credit reporting corporation, you are protected. The credit reporting bureaus point out that you may be more susceptible to identity theft when your credit report is sent via the post office. There is a better likelihood that your “snail mail” credit report could be mis-delivered to a incorrect address by a mail carrier or intercepted by a criminal.

When talking about online credit reports, you have many alternatives open to you. The Fair and Accurate Credit Transactions Act (FACT Act), the three major credit bureaus (Equifax, Experian, and TransUnion) are required to supply all U.S. citizens with an annual free credit report. The federal government established an official website, AnnualCreditReport.com, to provide consumers with a protected, secure site through which they can order their free online credit reports.

Also, there are a great deal of well known companies out there that can help you obtain your free online credit report as part of their credit management or identity theft protection services (like those at PrivacyMatters.com).

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How safe is an online credit report?

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