Free Instant Credit Reports – Score

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

gregsayshi12 asked:

All four of the freecreditreport.com ads in one video. LYRICS: Pirate: They say a man should always dress for the job he wants. So why am I dressed up like a pirate in this restaurant? It’s all because some hackers stole my identity. Now I’m in here every evening serving chowder and iced tea. Should’ve gone to freecreditreport dot com. (Yeehaw). I could’ve seen this coming at me like an atom bomb. They monitor your credit and send you email alerts. So you don’t end up selling fish to tourists in t shirts. Dream Girl: Well, I married my dream girl. I married my dream girl. But she didn’t tell me her credit was bad. So, now instead of living in a pleasant suburb. We’re living in the basement at her… mom and dad’s. Now we can’t get a loan for a respectable home. Just because my girl defaulted on some old credit card. If we’d gone to free creditreport.com I’d be a happy bachelor with a dog and a yard. New Car: Well I was shopping for a new car, which one’s me A cool convertible or an SUV Too bad I didn’t know my credit was whacked ’cause now I’m driving off the lot in a used subcompact FREE that spells free credit report.com baby Saw their ads on my tv thought about goin’ but was too lazy Now instead of lookin’ flyin’ roling phat, my legs are stickin’ to the vinyl and my posse’s getting laughed at FREE that spells free, credit report.com baby! Bike: Check it out Gas prices Blowing up sky high Ditch my used sub-compack For a 2 wheel drive Now I’m rolling eco friendly But I …

Hazel

CHRISTismyROCK83 asked:

Tim Hawkins puts his own twist to the freecreditreport.com song.

Martha

ErikETC asked:

The best song ever about free credit reports. Just look at the comments on this video for proof. *Thank you for all the comments and views! We didn’t know this would be such a hit! As of May 29 we have 91000 views!* ————————————– Well I was shopping for a new car, which one’s me A cool convertible or an SUV Too bad I didn’t know my credit was whacked ’cause now I’m driving off the lot in a used subcompact FREE that spells free credit report.com baby Saw their ads on my tv thought about goin’ but was too lazy Now instead of lookin’ flyin’ roling phat, my legs are stickin’ to the vinyl and my posse’s getting laughed at FREE that spells free, credit report.com baby! *Now don’t lie; you can’t say that’s not an awesome song. ——– Legal: – eriketc is not affiliated with freecreditreport.com, or consumerinfo.com, Inc. in anyway. – eriketc is not the sole creator of this video. Credit goes to consumerinfo.com, Inc. – This video was not posted for advertisement for freecreditreport.com. It has been posted for the content. – eriketc takes no credit for this video.

Sheila

ObeIiskos asked:

The 5th freecreditreport.com commercial. Easy to memorize, but here are the lyrics anyway. Cheers to the masters of awesome at freecreditreport! Here are the lyrics in case it goes too fast. When you’re a rockstar You get to party hard Champagne and caviar Tricked out exoctic cars It’s just how I’d thought it’d be ‘Cept the party’s not for me Cuz some punk opened a credit card with my ID Free What? Free credit Report.com That’s the site I’m gonna hit when I go home They know how credit works They send email alerts Now I’m finding out how bad reality hurts

Bobby

RavensDude52 asked:

This is one of the freecreditreport.com songs. Lyrics: Well, I married my dream girl. I married my dream girl. But she didn’t tell me her credit was bad. So, now instead of living in a pleasant suburb. We’re living in the basement at her… mom and dad’s. Though we can’t get a loan for a respectable home. Just because my girl defaulted on some old credit card. If we’d gone to free creditreport.com I’d be a happy bachelor with a dog and a yard. Offer applies with enrollment in triple advantage.

Lillie