Free Online Credit Report and Score
We all need to obtain a Free Credit Report at a minimum of once
every year. Reviewing your Free Credit Report and knowing your Credit
Score helps you to be in charge of your credit situation as well
as find any errors or signs possible identity theft as soon as possible.
You are able, by law, to obtain one Free Credit Report each year.
Looking on the Internet, you will find many sites offering you
a Free Credit Report and Score Online. There are many things to
take into consideration before signing up with any of these services.
Some so called Free Credit Report sites found Online are scams!
Other Free Credit Report Agencies while not scams, will require
you to sign up for some type of free trial program or offer that
you need to remember to cancel or end up paying a fee for the continued
service. Still other Free Credit Report and Score web sites will
end up selling your e-mail address and home address to others who
will send you spam e-mails and junk mail to your home. As you can
see, in many cases, that Free Credit Report isn't really free at
If you really want to get your Credit Report "Online", you may
want to try to find a service that charges a small fee. There are
many legitimate sites to obtain your Credit Report safely. Do a
little checking and find the one that suits your requirements.
If you are not in a real rush to get your Free Credit Report and
don't necessarily need to get it Online, the best thing to do is
to order it via regular mail. Starting in September of 2005, Americans
are able to request from Experian, Equifax, and Trans Union, a Free
Credit Report once every year.
To do this, you will need to go to www.ftc.gov/credit and print
the Annual Credit Report Request Form, fill one out and mail it
to Annual Credit Report Request Service PO Box 105281 Atlanta, GA
30348-5281. Once received, you can expect to get your Free Credit
Report back in the mail within 15 business days. While this way
takes a while longer, you can rest assured that all of your personal
information remains personal!
Manage My Credit -
a website devoted to providing advice on managing your credit and debt