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# Credit Report Agencies - What Do They Offer?

The major function of the credit report agencies is to provide consumers around the world with a correct report of the details of credit transactions made from the utility of credit facilities enjoyed from creditors such as banks, other financial and non financial institutions. In view of this definition one will describe the credit report as a history of the consumer's credit activities in a specified frame of time according to the time limit given by the reporting company. Having defined the essentials, we need to know that there are only three consumer companies in operation in the United States and they are Equifax, Experian and Trans Union, these are laden with the responsibility of providing credit report for all residence of the country. There are some services offered by these companies and this article is aimed as enumerating them, so as to educate the populace of the services attainable at these companies.

Firstly the Fair Credit Reporting Act mandated the three credit report agencies to furnish the populace with a free copy of their credit report once a year, this means that everyone is entitled to three free copies of their credit report each year from the three consumer companies - this is known as the free annual credit report, you can get your copy from www.annualcreditreport.com this website is the official website produced just for the purpose of requesting for a free credit report and is the best place to apply online in other to avoid identity theft as much as possible. It should be noted that this offer is free.

The credit report agency also offer as a special service an around the clock surveillance of your credit report giving you the opportunity to have a close watch on your report, knowing every current entry as a means to guard against the error of reporting. There is an alert created that informs the consumer of current changes made to their record. This service is not free since it is an additional service.

Another important service most credit report agencies offer is a fraud control system that monitors and protects the consumer's record from fraudsters we indulge in identity theft. This facility is also an additional service which is paid for, and there is also an insurance coverage available for the event of identity; the amount of this insurance varies from agency to agency. These are some of the major services offered by the consumer companies.

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