Photo by AnnualCreditReport.com
If you don’t want to contact the bureaus by mail or phone, you can request your free yearly report from each of the credit bureaus through AnnualCreditReport.com. This can save you the hassle of waiting on the phone or completing a request form and sending it in the mail, allowing you to view your reports almost instantly.
Not only will you receive your credit reports immediately, but if you spot errors, you can also directly inform or dispute the incorrect information with the bureaus. This can often result in correction of damaging information faster than if you correspond through the mail.
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