Get Your Credit Report Free.. No Really Free.
I can’t speak on behalf of all areas in the good ole US of A but around these parts I am constantly seeing the free credit report commercials on TV. As with most things in life, there is a catch. At the end of the commercial, you hear “With enrollment in XXXXX.” Here is how to get your credit report FREE with no catch.
At the above website, you can check your credit report from all 3 of the major credit bureaus. Equifax, Experion, and TransUnion. These are the 3 major bureaus that creditor use to check your credit worthiness. You can check your credit report once yearly for no charge, and no catch. They do throw a few upsells out there but simply un-check the offers with a cost. Or, if you would like to see your actual score, it will run you about $10.
Check this at least once per year, its free. It will give you a piece of mind. The report shows all open and past credit accounts including credit cards, auto loans, mortgages, etc. It also shows payment history for all accounts. If you were late even once, it will show up here. Its a good idea to check for discrepancies and also to make sure there aren’t any rogue accounts out there that you didn’t open. Its also a great idea to check this out before applying for new credit accounts so you know if you can expect the best rate or a sub par rate.
Cliff Notes: Go to www.AnnualCreditReport.com, view all 3 of your credit reports, free!
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