Free Credit Report – How to Obtain Yours
Posted in Finance on 02/27/2010 10:26 am by
Pamela S. Stevens asked:
Most major reporting agencies, will provide you a free credit card report and credit score provided you submit your credit card number and identifying information. In most cases, if you do not cancel your membership during the trial period they will charge your card for one of their credit services.
What information is provided on a credit report?
Generally, beyond identifying information credit reports provide court related information such as bankruptcies, court records, tax liens and so on, credit inquires, credit card debt and payments histories.
What is a credit score and what is considered a good score?
This is a statistical method for rating credit based on the information provided by the credit report. Generally, a score of 760 or more is considered excellent, a score of 700-759 is good, 600-700 is viewed as okay and below 600 is judged to be bad. Though lenders have different policies on what kind of loan terms are available based on your score, even if your score is in the 600 range you may still be able to qualify for a certain line of credit.
FreeCreditReport.com
FreeCreditReport.com gathers credit reports from the main reporting bureaus: Experian, Equifax and TransUnion. At this site, you first sign up for a trial period. To receive your free report during the seven day trial period, you have to provide contact information, SSN and credit card information. Through this reporting service you can get a free copy of your credit report and score delivered online and it is printable. After the seven day trial period, they charge $14.95 per month for their Advantage Credit Monitoring service, designed to notify you when a creditor reports changes with your report and score.
Experian
Through Experian you can receive a free report and score on your credit from the aforementioned three reporting agencies. To receive your free credit report you just have to simply provide your contact information, SSN and credit card information. Once you submit your information and receive your report you have nine days to cancel before they charge $14.95 to your credit card for their Triple Advantage Credit Monitoring Service, again designed to let you know when there is activity of any kind taking place that impacts your score and report.
Equifax
After providing your contact information, ID verification and credit card information to Equifax, you will receive a credit report using the big three and your FICO (Fair Isaac Company) score. However, this is not a free report; Equifax requires that you sign up for the $12.95 per month Equifax Credit Watch service. To receive a totally free credit report they will refer you to annualcreditreport.com.
If you want to do more than just view your credit report and score and are interested in credit monitoring or identification services, it may be a good idea to ask for a report from all three agencies to see if they offer the kind of service you desire. However, if you are not interested in a credit service just to monitor your credit card debt and other financial information you can receive on free annual credit report from http://www.annualcreditreport.com.
Jorge
Most major reporting agencies, will provide you a free credit card report and credit score provided you submit your credit card number and identifying information. In most cases, if you do not cancel your membership during the trial period they will charge your card for one of their credit services.
What information is provided on a credit report?
Generally, beyond identifying information credit reports provide court related information such as bankruptcies, court records, tax liens and so on, credit inquires, credit card debt and payments histories.
What is a credit score and what is considered a good score?
This is a statistical method for rating credit based on the information provided by the credit report. Generally, a score of 760 or more is considered excellent, a score of 700-759 is good, 600-700 is viewed as okay and below 600 is judged to be bad. Though lenders have different policies on what kind of loan terms are available based on your score, even if your score is in the 600 range you may still be able to qualify for a certain line of credit.
FreeCreditReport.com
FreeCreditReport.com gathers credit reports from the main reporting bureaus: Experian, Equifax and TransUnion. At this site, you first sign up for a trial period. To receive your free report during the seven day trial period, you have to provide contact information, SSN and credit card information. Through this reporting service you can get a free copy of your credit report and score delivered online and it is printable. After the seven day trial period, they charge $14.95 per month for their Advantage Credit Monitoring service, designed to notify you when a creditor reports changes with your report and score.
Experian
Through Experian you can receive a free report and score on your credit from the aforementioned three reporting agencies. To receive your free credit report you just have to simply provide your contact information, SSN and credit card information. Once you submit your information and receive your report you have nine days to cancel before they charge $14.95 to your credit card for their Triple Advantage Credit Monitoring Service, again designed to let you know when there is activity of any kind taking place that impacts your score and report.
Equifax
After providing your contact information, ID verification and credit card information to Equifax, you will receive a credit report using the big three and your FICO (Fair Isaac Company) score. However, this is not a free report; Equifax requires that you sign up for the $12.95 per month Equifax Credit Watch service. To receive a totally free credit report they will refer you to annualcreditreport.com.
If you want to do more than just view your credit report and score and are interested in credit monitoring or identification services, it may be a good idea to ask for a report from all three agencies to see if they offer the kind of service you desire. However, if you are not interested in a credit service just to monitor your credit card debt and other financial information you can receive on free annual credit report from http://www.annualcreditreport.com.
Jorge