Get Your Free Credit Report

Here is what you need to know about free credit reports. First, they are willing to do this mainly because they want you to try out their free trial of the credit monitoring service. Some of them will try to get you to try out a free trial of an identity theft program and try to scare you into buying, but most will just use the monitoring service. By law the three main credit reporting agencies (Equifax, Trans Union, and Experian) must give you at least one free credit report a year through "Annual Credit Report". Unfortunately, this report does not have to contain your credit score. If you really need to know your actual score, there are dozen of websites (like Free Credit Report) that will give you your credit score. Be CAREFUL that the vast majority of these sites will sign you up for a monthly service that you have to cancel unless you want to pay.

• Avoid Embarrassing Credit Surprises


• Help Prevent Identity Theft and Fraud


• Correct Inaccurate Information


• Credit background


• Identifying info

Trans Union Corporation . Consumer Disclosure Center P.O. Taken from Phil Turner's Credit Bible. Also there is a forth one that is important but I am not authorized to listed here. Do credit checks decrease my credit score, Only hard credit checks decrease your credit score, so one must be careful about the number of applications for credit that they make in a given period of time. There are two types of credit check - hard and soft. Hard credit checks are made by companies from whom you have requested credit (or an increase in credit line).

Don't be fooled by TV ads, email offers, or online search results. Go to the authorized source when you request your free report.. You can request your free report online, by phone or by mail. By requesting the reports separately, you can monitor your credit more frequently throughout the year. If one has bad history then it is more of a risk for a company to give that person credit. How can one obtain free 3 credit reports, For those looking to obtain 3 free credit scores and credit reports they may be able to get it from the Free Score website.

How would one obtain their credit report for free,

These reports are used by various corporations to determine your credit 'worthiness' before issuing you credit, offering you a job or writing you a mortgage. An online report is simply a credit report on you, that you can request, from the three major credit reporting companies online, for free. Where can you get a free personal credit report, A couple places to be aware of would be a local bank and one could also sign up for a free merchant account on various places on the internet. How would one obtain their credit report for free, People can receive a free credit report either online or in the mail from the three major creditors.