You have probably seen a number of check my credit report free ads both online and offline. How do you know which ones to believe and which ones not to believe.....Its all in the fine print.
First of all, by law, you are allowed to get three free credit reports per year, one from each of the three credit bureaus. You have the option of requesting them all at the same time or one at a time .
The benefit to requesting them all at the same time is that you can compare them, note differences and discover what is included on each one that might not be in another.
This can be very useful in credit repair since not all lenders, collection agencies and such report to all three credit bureaus. When your order your free credit reports at the same time, the differences really stand out.
The benefit of requesting the three credit reports at different times of the year allows you to monitor them for any irregularities, giving you a heads up on any illegal use of your credit and possible Identity Theft.
Both of these options do not include a free credit report score online, only the freecredit reports.
Check My Credit Report Free Scams
You can also get your credit report free from a number of places all over the internet and online.
There are a lot of what people might term as scams. My view is they are not necessarily scams as much as that you have to be diligent and read the fine print on the offer. The benefit is that the credit report is free, sometimes even the credit score.
The downside is that you usually have to sign up for some sort of service that you have to cancel within a certain number of days or you will be charged for that service.
If you want the service--great. If you don’t, you may want to just pay for a credit report and score if you have used up your annual FreeCredit Reports options.
Check My Credit Report Free Resources
You can obtain your FreeCreditReports at annualcreditreport.com.
Read more about Credit Scores
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