FREE CREDIT REPORT COM

Free Credit Report - Be Careful Of Paying For Extra Services


You type in "free credit report" into a search engine and you get thousands of result, hundreds of thousands, which one do I choose? what is the best one?

There are a few things you need to consider when looking for a free credit report and a few things that you need to be aware of so you can choose the one that is right for you.

The thing you have to be aware of is that some free credit report sites will try to see additional services, so you have to consider if you want these or not, these services can be useful and may offer benefits, but you have to know if you need them or not or it's money down the drain. Some offer a 30 day trial service - this includes a free credit report and you can cancel at any time.

The service will scan your report each day to you get any updates and changes to your report sent straight to you, this is good if you think you might be getting some bad reporting done on your file - maybe you are late with your payment or could not make a payment. Additional changes to your report may include changes to your personal information or identity theft - Identity theft statistics now show that one in four U.S. households has been a victim of identity theft in the past five years, last year alone, 10 million people were victims. The service will also give you access to your credit score everyday for as long as the trial lasts which is normally 30 days.

Another service includes your free credit report and credit score, your score is what what lenders use to decide to provide credit through you via a loan, so your score is the key information they go by. By getting a service that provides your credit score and credit report you have both pieces of key information that will help you workout your financial position, so you can start doing something about fixing your score and then go for that loan to get lower interest rates and better terms and conditions.

You might also consider an alert service that provides alerts to your free credit report when changes occur, this is especially useful if there is identify theft happening to your report, or you could use this service if you are going through a difficult financial period and are worried about your credit score being damaged. The alter service will give you notification within 24 hours. It can also come with identity thief insurance to cover you incase your details get misused, an approximate amount of cover is around $25,000.

As you can see there are many ways that you can get your free credit report and great services that offer value for money.