Free Credit Report
Most people are familiar with the term credit report but not
everyone has a clear picture of exactly what a credit report it
is. Your credit report can be viewed as a report card of your
financial and credit activities. You are "graded" on your
payment timeliness and credit activity. The fewer late payments
you have made and the fewer delinquent accounts you have, the
better your grade will be. Your credit score is basically a
cumulative grade of your credit report. It is important to know
what is on your credit report to ensure that your credit
activity is being reported correctly.
But unlike a regular report card, you will not receive a copy
of your credit report unless you request one. There is more than
one way to go about when requesting a copy of your credit
report. For a fee, you can receive a copy directly from one of
the major credit bureaus. Or you can obtain a free copy from one
of the many companies available on the Internet. There are many
reputable companies that will provide you with a copy of your
credit report completely free of charge. Visit www.credit-report-cr
edit-score.com to learn more about credit reports and how to
get a free copy of your credit report.
Some people may be a little skeptical about requesting a copy
of their free credit report and may wonder if it is as good as a
copy that you would pay for. But rest assured that a free credit
report contains the exact same information that you would
receive if you had paid for a copy directly from the credit
bureaus.
You may be wondering why would companies provide you with a
free copy of your credit report and is there a catch? Most
companies that will grant you a free copy of your credit report
require that you sign up for a credit monitoring service of some
sort. But as long as you cancel the service before the free
trial period ends, then you never pay a penny and still get to
keep your free credit report. However, there are some really
good credit services out there if you choose to keep the
service. Many people have greatly improved their credit
situation with these types of services. So make sure that you
know all of the benefits before canceling a credit service that
may accompany your free credit report.
-------------------------
Note: This article may be freely
reproduced as long as the authors bio paragraph at the bottom of
this article is included, the article is published "as is"
(unedited) and all URL's are made active hyperlinks with no
syntax changes.
-------------------------