What Does Your Credit Report Say About You

If you are looking to apply for credit for an upcoming major purchase — such as a new home or an automobile — or even if you are looking to add a new credit card to your wallet — perhaps upgrading to a rewards card — then you are going to want to be as ready as possible before you apply for this credit so there are not any surprises during the application process. The best way to get ready is to order a one time credit report online and make sure your credit history is intact, that there are no errors and that your credit score is acceptable to the agencies and businesses who extend credit to consumers.

The benefits of receiving a one time credit report are vast and can be quite comforting, especially if you find everything to be in order once you receive your report. Among these benefits is that you have the ability to see where you stand as a creditor views you, for instance, how regularly to make your regular payments on time? How much credit do you have and how much are you using? Do you have any negative information in your credit history or is everything the credit bureau says you have correct? You can also be able to tell if others have applied for credit in your name by viewing the section that shows you where credit has been applied for in the last 12 months. If you see businesses in that section that you have no idea about, chances are someone might have used your profile in an effort to get credit, by knowing this, you can catch it before anything bad happens to your name and credit score.

To get all three credit reports and credit scores for free, you need to go to ConsumerInfo.com. Unlike the annual credit score service, they provide all three credit bureau reports plus credit scores (FICO, BEACON and Emperica) for free. The service is free if you take advantage of their trial period offer. When you order your free report here, you will begin your free trial membership in CreditCheck® Total. Because it’s a free trial, you have the right to cancel your subscription within the first seven days. If you don’t cancel your membership within the seven day trial period, you will be billed $19.95 for each month that you continue your subscription.

In addition to the credit reports and scores, this service gives you ongoing credit monitoring alerts which help you to keep your credit reports accurate.
Clearly, everyone can benefit from ordering their one time credit report and because of a law that says you have the right to view what is in your report and confront any items that are erroneous, you are able to get at least one free credit report including your credit score annually. This is very important because it allows you to the opportunity to monitor your credit report every year and check for any significant changes that may have occurred.