This process is easier than you think, obtaining credit reports from the 3 major credit reporting agencies can be done through one website and it's 100% free. Just visit annualcreditreport.com and you can obtain one report from Equifax, Transunion and Experian. Obtaining your report through this method will not provide you with your credit score, that you have to pay for. I recommend www.myfico.com if you want to purchase your scores or even purchase a yearly plan on monitoring your score on a monthly basis. They have different packages to choose from.
Getting back to the free credit reports, you are entitled by federal law to get one free credit report from each credit agency through this website every 12 months. You can order all three at one time or you can order them one at a time. I suggest you order one every four months, this way you can see what is happening with your credit accounts on a consistent basis.
There are several cool things that you can do when you using this free service. If you see that your information such as address, phone numbers, name is misspelled and employment are not correct, you can fix it. Also, if you see an account that you believe is not yours; you can dispute the validity of such account.
We all know how important credit is, the higher the score the better qualified you are to obtain the best rates. Having high credit scores can save you thousands of cha-ching over the life of the loan. If your credit score needs work, take the first step and get your free report and do something about it!
Beware of sites that market themselves as free, like freecreditreport.com, they may have catchy tunes in their commercials but when you sign up with them, you're actually signing up for a "free" 7 day trial membership that you must cancel otherwise they will charge you $14.95 a month.
For more information visit: www.annualcreditreport.com
Annualcreditreport.com will never ask you for your credit card information.
Do you have tips on improving your credit?
Saturday, January 10, 2009
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1 comment:
That is great advice that you have given us. There is also more to cleaning a credit I, in the past had bad credit report then I bought a book in barns and noble that helped me re-establish my credit. Now, I have those letters that helped me re-establish credit,those letters that can be purchased at a cheaper price than the big bookstores. Visit my site www.patmorrisgroup.com and send an e-mail to pat.
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