How to Get Absolutely free Credit Reports in the Us, UK or Australia

How to Obtain a Free FICO Score Credit Report OnlineConsumers in the US, UK and Australia can all get their hands on a free copy of their credit report to do a credit check on themselves. The Fair Credit Reporting Act granted consumers a free credit report from each of the three US credit reporting agencies, Experian, Equifax and Transunion. A report can also be ordered by filling out the Annual Credit Report Request Form and posting it to Annual Credit Report Request Service, PO Box 105281, Atlanta, GA 30348-5281. There are other online services offering free credit reports, using subscription free trial period schemes. All offer a free trial subscription service that provides a free credit report as part of the free trial. This service doesn’t require people to provide their credit card details to get a free credit report.While there is not a legal right for consumers to a free credit report in the UK, there is a right under Data Protection laws for consumers to get a credit report for £2. This is known as a statutory credit report. It usually takes around 7 days for a statutory credit report to arrive.In Australia:Australian consumers have a right to a free copy of their credit report under the Privacy Act. Veda Advantage and Dun and Bradstreet, Australia’s largest credit reporting agencies, will both provide a free credit report to consumers within 10 days of receiving a request.