Free Credit Report Is Not Always Free


According to an amendment to the Fair Credit Reporting Act, you can obtain a free credit report on yourself for free one time every year. However, just like with any new law or service, there are people out there looking to take advantage of you. So be aware of what you see when looking for your own credit report; not every service claiming to offer you a free credit report is actually offering one.

To get your own free credit report, you really only need to go to the annual credit report website. If you go to the Federal Trade Commission’s website, you will find all the information you really need to get your free credit report. You only need your name, social security number, date of birth, and address to get the free report. As easy as it is, there are still many companies out there who want to get the business of people like you who are seeking their free credit report.

One way these companies take advantage of people is by establishing a web address that is very similar to the legitimate government websites for obtaining a free credit report. They will harvest your social security number, address, and other personal information under the claim that you will get a free credit report. Remember, you can get one by going through the Federal Trade Commission. Be aware that you should never have to supply a credit card number or telephone number to obtain your free credit report. Your address, name, social security number, and date of birth are all you need. FreeCreditScore.Com

You should never respond to an email to get your free credit report. Remember that that getting the report is a right you have. Some companies, in an effort to get your personal information, will send spam emails advertising access to your free credit report. These companies are usually just Phishing for your personal information. Never respond to emails to get your credit report. Instead, the information is easy to obtain through the proper government channels that are readily available to you.

Congress has given you the right to obtain a free credit report on yourself once every year. The government has given you access to the free report through the Federal Trade Commission website so that you do not have to worry. You will get emails, see on line advertising, and even get pop up ads that advertise free credit reports. Keep in mind, though, that many of these companies are not interested in getting you your report as much as they are getting a hold of your information. There is no reason to use these companies, legitimate or not, to obtain your free credit report when you can do it through the Federal Trade Commission. Your information is vital to your financial well being and in the wrong hands could do a lot of damage to your credit. In order to avoid these pitfalls, the best thing to do to get your free credit report is to go through the government.

If you would like more updated information on my credit report resources [], or read more articles like the one you just read, please feel free to visit my credit report blog [].

Benefits of Getting an Identity Guard Free Credit Score


Having a good credit score is beneficial for anyone who would like to avail of loans and mortgages. And in this day and age where most of us are dependent on loans in order to have a decent and comfortable life, not being able to maintain a good credit can mean a lot. The first step to getting a good credit score is to know where one currently stands. Among several services that offer to provide a free credit report, Identity Guard free credit review is the one that stands out. Here are some of the reasons why. FreeCreditScore.Com

How can one benefit from an Identity Guard free credit score review? One can enroll in a 30-day free trial period which is enough time to obtain one’s current score. Other services only offer up to seven days free trial and getting one’s credit report from the three bureaus can take longer than that. Aside from this, it offers to provide the report from the 3 credit bureaus, allowing one to be able to have an overview of where he currently stands in terms of credit without paying any additional cost.

Identity Guard free credit review is safe. Nowadays, identity theft is becoming a chronic problem which can mean a lot of loss. If one’s identity is stolen, there is no limit to how much money or assets will be lost. With this service, one will be able to obtain his credit reports without worrying about his information being stolen and used for evil purposes. Thus, one will be able to focus on checking the accuracy of his reports and making sure that all incorrect records are fixed in order to have a better score. FreeCreditScore.Com

With an Identity Guard free credit score review, one can also avail of identity monitoring and surveillance, as well as public record report and monitoring. These tools will empower anyone who wants to increase his credit. As one’s credit score increases, one will be able to apply for credit cards with lower interests because the creditors see less risk involved in people with higher credit scores. The same goes for home loans or car loans. As one’s credit score increases, his eligibility of applying for lower interest rates or refinance programs greatly increases.

Getting an Identity Guard free credit score review is the best way to start building one’s credit. Having a good credit standing can mean a lot especially for those who would like to get a comfortable home, a decent car, and a better life for himself and his loved ones. Getting a credit report is also essential even for those who are not planning to get loans in the near future. Remember that credit reports are not always accurate, and the sooner one can get a copy of his score, the sooner can errors be fixed. That way, one will be sure that when the time comes that he will need to apply for a loan or a credit card, he clearly knows where he stands and he can get the best rates because of a good credit score.

Get your absolutely free credit scores from Experian, Equifax, and Transunion – the 3 major credit reporting agencies and see how well your credit is in seconds.