Arturo Ronzon asked:
If you have paid big money in the past to someone that made the Annual credit report for you, well you have been scammed. There are two freeways, how you can do it, one of them official, and one not, but still valid.
There is an official website, that will make you your annual credit report for free, and there are other, private owned websites that also offer to do it for free for you. Using such free services is often a great idea, and you should try them out. IF you have doubts into the quality of the report, you can try two or more free websites and then compare the results, meaning the reports that you get from the different websites. So you can see, if there is something wrong, if the results come out differently from different websites.
Free websites are just like open source software. A website offering you the annual credit report is made by different people, experts from different areas, just like the open source software. With that you have the effect of different people going through same problems a couple of times and with that they can repair all the problems that they have in the script.
The details about what should be in your report are published in different laws and sub-law directives that are published on the Internet. But the language of them is just too specific for a lot of people, so getting it done by yourself is not a way to do it. There are people, who have studied for years to understand, what exactly do these laws say, so you should leave the work to them.
So the annual credit report that you produce is not going to be accurate and up to the requirements by the law. If you would really like to do it by yourself, you can, but you should get someone to check the report for you, so that when you file it in, it will be made as it should be made. That way you can control what is going on with it and still you can be sure, that it is done good.
Carol
If you have paid big money in the past to someone that made the Annual credit report for you, well you have been scammed. There are two freeways, how you can do it, one of them official, and one not, but still valid.
There is an official website, that will make you your annual credit report for free, and there are other, private owned websites that also offer to do it for free for you. Using such free services is often a great idea, and you should try them out. IF you have doubts into the quality of the report, you can try two or more free websites and then compare the results, meaning the reports that you get from the different websites. So you can see, if there is something wrong, if the results come out differently from different websites.
Free websites are just like open source software. A website offering you the annual credit report is made by different people, experts from different areas, just like the open source software. With that you have the effect of different people going through same problems a couple of times and with that they can repair all the problems that they have in the script.
The details about what should be in your report are published in different laws and sub-law directives that are published on the Internet. But the language of them is just too specific for a lot of people, so getting it done by yourself is not a way to do it. There are people, who have studied for years to understand, what exactly do these laws say, so you should leave the work to them.
So the annual credit report that you produce is not going to be accurate and up to the requirements by the law. If you would really like to do it by yourself, you can, but you should get someone to check the report for you, so that when you file it in, it will be made as it should be made. That way you can control what is going on with it and still you can be sure, that it is done good.
Carol