Your Free Credit Report Check Up

Make sure you do your research on these companies if you decide to go with them. An often overlooked way of getting help with fixing your credit is talking to your friends and family. Credit in general is not something people discuss openly and freely. But if you start inquiring with your friends and family you may find someone who has been through the credit repair maze and done it themselves. You may even be able to tap into a goldmine of information and get personalized 1 on 1 help with fixing your credit report. Remember, once you learn the basics of credit repair, you will not have to relearn it over down the road. The laws and rules do change, but for the most part it will just be a refresher in the future.

• Help Prevent Identity Theft and Fraud


• Avoid Embarrassing Credit Surprises


• Identifying info


• Open public records


• Correct Inaccurate Information

Are you considering getting a personal free credit check from an online source, Do you know why they are willing to give this to you for free and what you are really getting from the deal, There are some websites that are willing to give this to you for free for a number of reason. 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).

This means an interested party can check their rating at any time as often as they like to find out how it is changing. The ability to get reports and scores at no cost is something no one should overlook. It is a vital component toward maintaining financial solvency. It is also the first step in repairing a credit rating if the individual has suffered financial setbacks recently. Only diligent attention to detail and a solid eye on their report will keep an individual above water financially. These will be seen by a lender when you apply for credit and therefore you want to ensure that only correct details are shown here. For example if you had a credit agreement with ABC Lender 12 months ago which you have settled in full, then this must be shown against the particular credit agreement on your credit file.

Where can one obtain a free credit report from the three major credit checking agencies,

Credit reports now play a role in businesses making hiring decisions, landlords choosing renters and with insurance premiums. Identity thieves may make use of your information in order to open up a new credit card account in your name. Then, when they don't pay the bills, the overdue account is reported on your credit file. People can receive a free credit report either online or in the mail from the three major creditors. This can be done once a year to get a check up on all of peoples credit information, to make sure there are no false statements on it. Where can one obtain a free credit report from the three major credit checking agencies, Under United States law, citizens of the United States are entitled to one free credit report per year.