A free personal credit score is available to consumers.To receive your free credit score you may enroll in a Free 7 day credit monitoring trial. When you receive your free personal credit score make sure to check it carefully for any inaccurate information.
It is important for you to check your personal credit score on a regular basis for two very important reasons:
- The information in your personal credit summary determines your credit score and incorrect information could end up lowering your credit score and, costing you extra money in financing charges on a home loan or refinance, new car, credit cards, or even insurance rates.
- The information in your personal credit score and credit history could help you in the early detection of potential identity theft. For example, let's say your personal credit report contains credit "inquiries" that indicate that someone else has applied for a credit account in your name. Or, checking your personal credit score and credit history reveals that someone has changed your contact information to hide fraudulent charges.
When you get your free on line credit score, review your credit history carefully, and then print it out on your computer. Keep it in a safe place and compare it with future credit scores and check all of your credit information carefully to make sure that you are well familiar with any new information that appears on your credit summary.
Remember, credit bureaus basically include information on your credit reports that have been provided to them by your creditors. It is up to you to make sure this information is correct.
What do you do if your credit reports contain inaccurate information? You can get a step-by-step guide to checking your reports and contacting the credit bureaus should you discover any inaccurate information by clicking:
Make Sure Your Credit Report is Accurate