The best place to see your free credit report is www.annualcreditreport.com . This is the legitimate website created by the three credit reporting companies – Experian, Equifax and TransUnion, that lets you access your credit report.
Here are some important facts about your free credit report.
- The Credit Report is free but not the Credit Score: A lot of people assume that their credit score will come along with the credit report. That is not true. If you want to see your credit score then you will have to pay separately for that.
- Contents of the credit report: The credit report will contain information about your credit repayments, credit usage, availability of revolving credit, information about credit pulls and other information related to your credit.
- You are entitled to free credit reports from all three agencies: This is a slightly lesser known fact. You are entitled to a free credit report from all three reporting agencies – Experian, Equifax and TransUnion in a given year. So that means that you can either pull up all three credit reports at one go or space them out every four months or so. If you space them out, you will be able to keep an effective tab on your credit report throughout the year for free! If you order all of them at once, you have a great chance to compare and analyze them.
- You are entitled to a free credit report under some state laws: The following states have laws that make free credit reports available to consumers: Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey and Vermont.
- Don’t use a different website for your free credit report: For getting access to your credit report, you will need to part with your Social Security Number (SSN). You should never give out your SSN, unless you absolutely have to. When you do give it out, make sure it is to authentic websites. Since www.annualcreditreport.com is sponsored by the three credit reporting agencies, it is the most authentic among all others. The other reason is hidden fee charged by others. Some websites will sign you up for monthly subscription under the fine print and then keep charging you a few bucks every month. Unless you read the fine print carefully and opt out of it, you will be surprised by a charge every month.
Keeping a tab of your credit report not only helps you in monitoring whether you are managing debt well, it also helps monitor against identity theft. So it is good practice to make use of your free annual credit report and stay on top of things.
Respected sir.I want to take loan from mahindra finance .They told me yr installments are stopped.last year.my mother has been expired during that period.After that i paid my all balance dues total.so please help Me in this matter .My loan account no.is 1778343,,,my date of birth is 05,03 1972
Dear sir i am apply my loan in m@m financial sarvice and bank.
They told me your cibil report in not well and rejected my application.
Sir please confirm where is problem.
My pan no ALEPA8567B
Email dattaautade710@gmail.com
Mob 9421271063
Mob. 7385570857
Please help me
With regards
D.k.autade
I need to know my CIBIL status.
My Pan Card Number AFIPD 1813P
sir, I’m working in pvt company I apply to credit card but i’m not received the card . after checking CIR my account is locked Cibil . how to clear this problem. help me.
Please provide my cibil report
My Pan No BERPS5134Q DOB- 12/01/1976
Add ; PLOT NO.1 CHAMUNDA NAGAR SOC, B/H PUNA GENERAL HOS, PUNA GAM SURAT
Pin-395004
My credit report
Please provide my cibil report
My Pan No AJNPJ2458H
Add ; At-Post- Kothal Tal-Purndhar Dist- Pune
Pin-412303
Please provide my cibil report
My Pan No DYTPS0951J
Add ; H.No 218 Hardeep Nagar
Lamba Pind Chak Hussain
Jalandhar Punjab
Sir i have apply in av finance for alto lxi sir give my civil report whaat problem & Solve my problem help me my mob-9928314360
I have been apply in av finance What a problem in my cibil report solve my problem
Dear sir my name is s.ramkumar ,i have applied for housing loan but the bank details says my name is in default of cibil list .kindly please check and do the needful and rectify .I have no dues with any credit card and other loans .i have settled all the credit card payments and also having settlement documents with myself
please kindly rectify my name in cibil list and help me
wtih regards .s ramkumar
my con No is 644577346
amt: :28000/-
my mobile no 9840204428
my email id is srkamjc@gmail.com
SIR,
I AM APPLYING A HOUSING LOAN PUNCHAB NATIONAL BANK ,THAT TIME MANAGER SAID TO ME CIBIL REPORT SHOWING A GUARONTOR LOAN IT WAS NPA SO MY LOAN ALSO REJECTED ,THIS IS MY PAN NO ACTPVO765A
WITH REGARDS
VASUDEVAN R
Dear Mr. Vasudevan,
To know the details on your CIBIL credit report and your credit score, you need to apply for the same on their website – https://www.cibil.com/online/credit-score-check.do
The details of the loan you have guaranteed will appear on your report. Always be careful when you sign on as a guarantor for any loan. These details appear on your credit report and if there is a default, it will negatively affect your score.
For more details you can refer to the following links:
http://epaper.timesofindia.com/Default/Scripting/ArticleWin.asp?From=Archive&Source=Page&Skin=ETNEW&BaseHref=ETM/2012/11/26&PageLabel=45&EntityId=Ar04400&ViewMode=HTML
http://www.moneycontrol.com/news/loans/be-carefulyour-cibil-score-if-you-areloan-guarantor-_917787.html
Regards,
Credexpert
http://www.credexpert.in
Respected,
Myself Vishal Sadashiv Chavan required my father’s credit report, Sice their Pan number shows in CIBIL.
My father’s Details are as follows.
SADASHIV GOVIND CHAVAN
Pan no: AJJPC6597N
Sir my PAN no. is –deleted–. Kindly provide me my Credit report
kindly provide my cibil report .
pan no. APBPM1680F
NAME SUMIT MIGLANI
1417,SECTOR-61
CHANDIGARH
SIR, I AM APPLY LOAN IN VARIUS FINANCIAL SERVICE AND BANK. THEY TOLD ME YOUR CIBIL REPORT IS NOT WELL AND REJECTED MY APPLICATION.
SIR, PLEASE CONFIRM, WHERE IS PROBLEM.
WITH REGARDS,
SUNIL
plese give my credit score