Copy Of Credit Report
Benefits Of A Free Copy Of Credit Report Plus Credit Tips
Need your credit score? Consider making an annual credit report request. They will usually provide you with your credit score or history so you can see what has happened to your credit over the past months. Although there are so many companies "claiming" they can get you your credit score, don't be fooled. Only a few of them can actually do that without trying to take advantage of you.
Annualcreditreport.com
Probably the most important service you should remember is this annualcreditreport.com. They can provide you with a free copy of credit report on a yearly basis. All you have to do is fill out the request form every year and you'll be able to see what happened to your credit in the past months. It would also be a good thing the you request a free copy from the three credit bureaus (Experian, Equifax and TransUnion). Don't worry you can get a copy from all three agencies free every 12 months.
Get Your Credit Report At The Source
Other than annualcreditreport.com, you can always go directly to the the three nationwide consumer credit report companies to make your free credit report request. The process remains the same, meaning you will have to fill out a request form online and submit it or you can mail it.
Whether it's through annualcreditreport.com or one of the nationwide consumer credit report companies you can request one free copy of credit report every 12 months from each of the nationwide consumer credit reporting companies. This means you can order all three reports at one time or space them over 12 months. Both methods have their own benefits. If you order all three reports at the same time you'll be able to compare your history over the past 12 months but you'll have to wait another 12 months before getting new free reports. If you space them out, you can easily catch the latest updates on your report but won't be able to compare them. It's up to you to decide how you want to manage your credit history.
What About Credit Score
Unfortunately, credit score is the only thing that is not free. When you request your credit report you will receive all the information you need but will have to purchase your credit score information.
Don't worry though, if you keep updating your credit report and have a positive feedback on your report, you can expect to have a high credit score. Your credit score is a mark based on your credit report. So if you have a good credit report, you'll have a good credit score. Unless you are worried, there's no need for you to get a credit score. Let the company who will lend you money worry about that.
