There was a company near our office where there will be a lot of workers with neatly tucked in shirts and mostly in formals with tie and I enquired about the job description of the persons working in the company. On my enquiry, I came to know that it was a credit card fund recovery company and using the Instant Credit Reports from various banks these people follow up on each client and collect the money from them in both rational and harsh ways. Most of the persons working here use very harsh words and always shout and yell in the mobile phones and it is a risky job too. Daily in the morning the company owner gets a list of Free Credit Reports from each bank along with the customer details and their address and contact details and the amount to be retrieved from them. Based on these Free Instant Credit Reports, each person is given individual tasks and targets to accomplish for the week and based on their performance; they will be paid for the job. To obtain Free Instant Credit Reports, a credit card user has three options. One way is by using the internet banking facilities of your bank account to obtain the Free Instant Credit Reports in the form of account statement. This information of user name and pass word can be used to log in to the internet account and from here one can get Free Instant Credit Reports and there are also facilities to get account statement for a period of 6 months. Another way to obtain the Free Instant Credit Reports is through mobile banking facilities of the bank and on dialing the toll free number, the automatic teller of the bank welcomes the bank customer with a message and there are various options to check the bank account, to avail Instant Credit Reports, to check the value added services, check the fixed deposit status, enquire about various other products of the bank, and various other services offered by the bank. Another option to obtain Free Instant Credit Reports is by using the ATM machine of the bank and selecting the appropriate service to obtain the report. I recommend to use the internet banking facility to get the credit report as it is simple and fast and one can have a written proof of the transactions done in just seconds.