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Free Credit Report

BY: Victoria | Category: Animals and Pets | Post Date: 2008-05-09
 



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Credit reports have a tremendous impact on the people living in United States and the government has mandated that U.S. residents can obtain once a year free credit report from the major three credit reporting agencies.

AnnualCreditReport.com: This is the real (totally free) website setup by the big three credit reporting agencies Experian, Equifax, and TransUnion, as the federal law requires them to do so. Under this program you can check your credit report for free by each of the three credit reporting agencies once a year. Credit score is not free, but it can be easily purchased for a small fee. For most people it is recommended that they check their credit report every 3-4 months using AnnualCreditReport.com for one credit agency at a time so you have access to your credit history all year long. For example - In January visit AnnualCreditReport.com and check your report for Experian only, in May you check for Equifax and in September for TransUnion. If you check all reports at once (say January), then there is no free access left for rest of the year.

AnnualCreditReport.com does not maintain your credit report but provides the links that transfer you to the website of these three credit reporting agencies at no charge when navigating this way. On the other hand if you directly go to any of the three credit reporting agencies Experian, Equifax, and TransUnion without using AnnualCreditReport.com there is a charge even for the first time. Please go to https://www.annualcreditreport.com/cra/helpfaq for frequently asked questions.


FreeCreditReport.com: Commonly misunderstood but this service is not free. Its a site owned by Experian and it clearly says on their home page -

"When you order your free report here, you will begin your free trial membership in Triple AdvantageSM Credit Monitoring. If you don't cancel your membership within the 30-day trial period, you will be billed $12.95 for each month that you continue your membership."

Unlike AnnualCreditReport.com this website (FreeCreditReport.com) offers credit report and credit score free only when you signup for credit monitoring program. By paying for this you get access to unlimited Experian Credit Reports & Scores. You also receive alerts for any major changes in your credit report / credit history, the program also provides identity theft insurance and some help if you ever become an identity theft victim. They also have some features like graphs, good articles and online dispute process. To monitor the credit reports from other two agencies Equifax, and TransUnion via freecreditreport.com, there may be an extra charge, please check their website (FreeCreditReport.com and experian.com) for most current and complete information.

CONCLUSION: Annual credit report is the website you want to visit if you want totally free credit report / credit history, but it does not include free credit score. That can be purchased directly from the credit reporting agencies for a small charge. For a paid credit monitoring service, FreeCreditReport is one of the many options available in United States.

Please do your own research before using any information written here.

Additional free services you may be interested to know about are -

- To request that consumer credit reporting companies exclude your name from lists for pre-approved, unsolicited credit and insurance offers, please call 1-888-5OPTOUT (1-888-567-8688).

- To opt out from telemarketers from calling you on your phone - Visit donotcall.gov

Article Source: http://www.saching.com



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