Get Your Annual Free Credit Report – Why Pay For It?


You can get an annual free credit report from any of the three major credit bureaus. If you have ever had credit, then there is a report on your borrowing and repaying at one of these bureaus – maybe all three. The Fair Credit Reporting Act is a law saying that every person is entitled to receive one annual free credit report once every twelve months from the credit bureaus.

Annual credit reports are very important because they contain all of the information about your credit history – not just for the past year, but for at least 7 years. When you request an annual free credit report, the credit bureau is not allowed to charge you for the first report. However, if you request more than one report, then you have to pay for the others.

There are many sites on the Internet that will charge you for a credit report. Therefore it is important to know that you do not have to pay for this service. By analyzing your annual free credit report once a year, you will have a clear idea of what your credit score is. Free annual credit reports will help you determine where your focus for the next year should be if you are looking to repair any bad credit items that appear on your report. FreeCreditScore.Com

If you have been denied credit and you think that it is unreasonable, then it would be in your best interest to request a free annual credit report. This is because with the amount of scams that exist, someone could be using your name to receive credit and then giving you a bad rating. If you are working on repairing bad credit that you have, an annual free credit report is enough to request. Credit scores do not raise overnight or because you made one payment on time. It takes at least a year to notice a marked increase, so you shouldn’t pay for extra reports.

When you receive your annual free credit report, you should carefully read all sections. All aspects of the credit report are included in computing a credit score, so you should pay attention to all of them. Check your address to make sure it is correct and compare the list of accounts to ensure that you have not missed any payments. The annual free credit report also contains a list of people or businesses that have requested credit information on you recently. You should also check this to see that all of these names are familiar to you.

You don’t need to pay, you can get an annual free credit report.

To download a free copy of Peter’s Credit Repair book visit Peter’s Website Credit Repair Answers and find out about Credit Bureaus and more; including Credit Repair Services, FreeCreditReports, and Online Credit Repair.

Benefits of Getting Free Credit Report From the Government


Credit reports are obtained for free at least once in every year, and actually this is a right of every citizen. The government holds the needs of its subjects very dear and therefore has to ensure that every citizen gets access to an accurate credit report. Some of the impacts of a credit report may have a direct effect on the economy, hence the government’s concern. Experts feel that a credit report from the government is the best tool for conducting a consumer’s reviews and understanding exactly what credits have been saying about him.

Credit reports from the government are obtained as a remedy/verification for persons whose reports from credit report firms has been concluded as negative. The law allows the government to conduct an independent report to verify whether the first report was correct. Similarly, if a person has been denied insurance and employment applications or even credit applications, he can request for a credit report from the government after giving a 60-day notice.

The reports obtained from the government are bias-free as the government is not a personal business therefore unlikely to favor no one. In most instances the government has no personal ties with individuals and would therefore not give a report that compromising.

The government is more efficient in terms of service delivery as opposed to individual companies. The reports from the government are timelier in delivery, more credible and acceptable universally. Financial institutions and other lenders are more confident when a credit report of their debtors is obtained from government sources.

Government reports are very convenient. The application is done online through their official website that is accessible by all citizens without asking for verification details like passwords. The application can also be done through mail provided all the necessary information is submitted in accuracy and completeness. The state is also very consistent and professional in its delivery of services and is not likely to commit any legal breaches. FreeCreditScore.Com

Final Tip: while you can get a free annual credit report once per year, this one does not contain your credit scores making it incomplete, then trying to get a full credit report in a free trial base with one of the best credit report services [] become a must, this way you will have a full picture of your very particular financial situation, this will undoubtedly help you to get your credit scores improved and consequently a fixed credit report.

Hector Milla runs the Best Credit Report Service [] website, where you can see his 3 best rated credit reporting companies. Visit for further information and read our full review of the best credit reporting companies, plus articles and video training about how to get the most of your own credit fixing process.

What is a Free Credit Score?


What is a Free Credit Score?

A credit score is really a sort of fiscal report card. In the event you’ve ever taken out any type of credit then you will have your own credit file. A credit profile is simply a compilation of an individual’s borrowing background.

Main Components of a Free Credit Score:

You will discover 4 principal pieces for your credit profile:

1. identifying info
2. credit background
3. open public records
4. inquiries.

The private or identifying info will certainly include the different kinds of financial accounts you’ve got, the total quantity borrowed, how much if any credit is still available and also your payment history. FreeCreditScore.Com

In the event that you have had collections or perhaps missed or overdue payments, they might also appear on any of the reports.

A prospective credit lender will be largely interested in your numerical score that will be between 300 and 850 nevertheless it’s still important for you to thoroughly examine all items and make sure the data is correct.

Individuals can order their free annualcreditreport by mail, by telephone, as well as online. A good tip is to order your report through a separate credit agency once every 4 months to be able to take full advantage of your protection from fraud, unauthorised activity and errors.

TransUnion, Equifax and Experian are the 3 major credit bureaus that you can request your credit report through.

Credit reports now play a role in businesses making hiring decisions, landlords choosing renters and with insurance premiums.

Considering that there is so much riding on your credit report it’s vital you carefully check it for errors and also to confirm there have not been any accounts opened without your permission and to know if any other organizations were accessing your file.

Identity Fraud Is on the Rise

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.

Identification Theft can certainly affect quite a few aspects of one’s life, causing you to get turned down for credit, refused a house rental, and might even cost you a new career! FreeCreditScore.Com

Monitoring your credit profile will be your very first path of security in protecting your id from theft and also to repair any problems as well as not authorized activity.

There’s a premium paid service provided through the credit reporting agencies known as Credit Monitoring. This specific program basically monitors your credit on a regular basis and will email you in the event there are any notable modifications made.

This way you can rapidly stop or correct anything that is not supposed to be taking place on your credit file.

Click here now to view your free credit score check instantly and effortlessly.

Interested in learning more about credit scores and how to improve yours? Visit Free Credit Score to get your copy today. FreeCreditScore.Com

Click here to receive your Free credit score check Free Credit Score Check Now.

Free Annual Credit Report – The First and Easy Step to Getting a Mortgage


Your credit history is one of the biggest factors to securing a home mortgage at the lowest interest rate and with best terms available. Why is it that we all know this fact but are hesitant to open that door and come face-to-face with our credit information?

Perhaps our biggest hurdle is the impression that getting our credit rating will be a difficult and time consuming process. You may be surprised to know just how easy and quick it is to get a free credit report. That may have just sounded like a sales pitch – I assure you – it is not. It truly is fast and easy.

You have seen the television commercials and online advertisements for numerous credit report online sites. Yes, these sites will help you get your free credit report but they will also try to sell you a credit monitoring service and other products. No doubt these sites are valuable tools for protecting your credit, but you can choose these services later. Let us keep it simple for now.

Annual Free Credit Report Program
Here is all you need to do. Go to This site was created and authorized by the three major consumer reporting agencies, Equifax, Experian and TransUnion. It is THE official government-authorized website supporting the Fair and Accurate Credit Transactions Act (a federal law passed in 2003) which allows you to obtain a free credit report every 12 months from each of the three reporting companies. FreeCreditScore.Com

How Easy it Really Is

The only information you will need to provide to AnnualCreditReport is:

Full Name
Date of Birth
Current Address
Prior Address (if at current address less than 2 years)

After entering the above information, you will choose TransUnion, Experian, Equifax or all three. You will be directed to each agency website separately. As you conclude each visit, you will be conveniently brought back to AnnualCreditReport where you can move on to another agency site or finish up. FreeCreditScore.Com

Additional information required by the agencies is minimal. Experian only asks four easy multiple choice security questions.

With regards to which agencies to choose at this point, you may request all three right now or space them out over the year (perhaps you’ll want to get one every 4 months or so).

The detailed credit report will be absolutely free. You can obtain your credit score for an additional (optional) charge of $7.95.

It could not get much easier. If you have ten minutes, head on over to AnnualCreditReport right now. Won’t it be a great feeling when you can check that off your to-do list?

Elizabeth Dennis is a writer for NewBuyer selects and organizes internet-based buying information to help home and auto buyers make confident, well-informed buying decisions. See Newbuyer’s popular Auto and Home Buying Guides.