Here's how to get your free annual credit report
So how do you like those TV commercials with the catchy songs offering free credit reports? What they are advertising is a free annual credit report and maybe a credit score along with a free trial of a credit monitoring program. The hope is that some people will find the credit monitoring useful at helping consumers like you prevent identity theft. If you want your free annual credit reports go to annualcreditreport.com If you want your free annual credit scores check out the box below:
The free annual credit report program by the government offers you all three bureau credit reports and does not have a trial of credit monitoring. You also get the option of ordering a discounted credit score from each credit reporting agency. This will usually run you about eight dollars or so. It is nice to know what your credit score is and how you rate against the average US credit score.
But many people want to know what their credit score is not just with their credit report says. So this is where the free annual credit report program is not good enough. It does not provide you with all the information you want. What you want to do is get both your credit score and credit report absolutely free. This is where those free trial credit report offers come in handy. You can get both your credit score and credit report absolutely free along with a free trial of credit monitoring. If you do not want to continue the credit monitoring service you can cancel it within the trial period and owe nothing.
How to Perform A Free Yearly Credit Report Check?
Most of the time, people are taking their credit reports and scores for granted. They will only seek for it if a particular event requires for them to have it - such as buying a home or car or applying for a new credit card. As a result, they will undergo some sort of urgency, making way for them to decrease their chances of having an accurate credit score.
However, you should know that you need to maintain the worthiness of your business by checking your yearly credit reports and credit scores. You should know that by performing a free yearly credit report check, you can increase your financial awareness and not be surprised at what the mortgage lender or car finance company tells you.
If you will perform a yearly credit score check, you will get the essential information needed in order to help you to determine how well you are managing your credit. Your credit reports from Experian, Transunion, and Equifax can give you essential data about your credit history, your payment history, credit worthiness and likewise your personal information. You need to know that if you will apply for a loan, they will look into your capability to repay them on time. So, determining your annual credit report check is a must if you want to apply for a loan.
In addition, you need to know that you can obtain your free annual credit reports through one of the three major credit reporting bureaus. Equifax, Experian and TransUnion are the three agencies that can help you look at your free annual credit reports through the government's site. Also, with this, you will be able to know that you have what it takes in order to apply for a loan.
Truly, it is always better if you have a regular schedule in performing an annual credit report and score check, because it will help you to assess if you need some revamp in order to be more productive in your future endeavors. It is also a great way for you to assess your credit standing. Nowadays, cases of identity theft are very alarming, but if you will check your credit report regularly - semi annually or annually, you can prevent this type of incident. You will get to know all the transactions and dealings that have transpired for the past year.
Performing a free yearly credit report check will help you to effectively maintain your credit record. This will let you know the areas of your finances that need to be polished in order to go on with your transactions. Also, it will allow for you to know your credit worthiness. All you need to do is to obtain your free annual credit reports from any of the three major credit bureaus, and they can readily dive it to you at absolutely no cost at all.
You can perform a free monthly credit score check with Credit Karma by clicking on the button below.
(Click the button above to see your credit scores for free)
Free Annual Credit Report: