Free Credit Report Online Consumer Guide

Free Credit Report Online Consumer Guide

FreeCreditReportGuide.org

The Truth About Free Credit Reports

Know the Truth and Make The Most Of Your Free Credit Report.

The Real "Free Credit Report" Has Finally Arrived Across America.

A regular check of your credit report is the most effective way of detecting identity theft.

Now every American is able to get a free credit report per year from each credit bureau. Click here to find out if you are eligible for an annual free credit report mandated by the Fair and Accurate Credit Transactions Act. This free credit report, however, does not include a credit score.

The only official website where you can get a free credit report is annualcreditreport.com

The Real Truth About Free Credit Reports

Under the Fair and Accurate Credit Transactions Act of 2003, the three credit bureaus — Equifax, Experian and TransUnion — must provide an annual copy of their credit reports on each consumer upon request.
AnnualCreditReport.com is the only authorized web site where you can get the free credit reports. Or you may call or write for your free credit report.
Beware of many imposter sites. They may charge you for another product if you accept a "free" report.
The law does not entitle you to get a free credit score. However, you can purchase your credit score at myFico.com .
You can get an additional free credit report if you live in Colorado, Georgia, Massachusetts, New Jersey and Vermont.
You can get a free credit report if you have been denied credit, insurance, or employment within the past sixty (60) days as a result of your credit report.
You may want to get credit monitoring service only if you are worried about identity theft or are in the process of improving credit.

A regular review of your credit report is a good way to guard against identity theft. If you find someone has stolen your identity and used it to open charge accounts in your name and then run up a number of big-ticket items and failed to pay, take immediate action to set the record straight.

Identity Theft is Surging.

Take a proactive step to identity and prevent identity theft.

Monitoring your credit is key to your success.
Credit monitoring is one of the easiest way to reduce the risk of identity theft and other credit fraud.

Why regularly chekcing your free credit report is important

You need to check it for accuracy and make any disputes that you need to make -- before you have a problem. Making sure a credit report is clean and accurate is utterly important because:

The information is used to calculate credit scores, which are used by lenders to gauge the risk of making loans.
Monitoring your credit report is the most effective way to help combat Identity theft.

The sooner you look at the report, the more time you have to improve your credit information.

All About Free Credit Report and Identity Theft

Free Credit Report

Now all Ameicans except those living in east coast can order a free credit report from three major credit bureaus every year.

Credit Score

Now that credit scores are increasingly used by utilities, insurers, and employers, as well
as creditors, it is essential for consumers to learn their score and what it means. Many lenders rely very heavily on a credit score to determine the amount of risk associated with lending you money and adjust their interest rates accordingly.

Credit Monitoring

No matter how diligent you are at keeping your personal and financial information secure, identity theft can still happen to anyone. Monitor your credit report.

Loan

Comparison shopping is essential in loan searching. Begin by requesting quotes from several lenders, and then compare the rates and fees for each quote to find the best lender.

How my application is evaluated
Low interest loans
... [ more ]

Identity Theft

Identity theft is the fastes growing crime in the United States affecting the lives of millions of people. Losses are in the billions.

Credit Scams and Consumer Advice

Credit Scams

The Three Digit Number

Credit score is a number that may become meaningful in your life, especially if applying for a loan. The number is most often used by lenders to determine whether or not to give you credit, at what interest rate, and the likelihood the money will be repaid. Credit scores are boiled down to a number of factors, including previous bill payments, loans, debt, and credit cards. Basically, the history you probably won’t save in a photo album.

Under federal law, you’re entitled to a free report once a year. The three credit bureaus have established one central Web site, telephone number and mailing address to use for ordering your free report. The free credit reports, however, do not list your credit score.

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