Your Credit Score: How Much is at Stake?
You can order an online credit report and a credit score. Upon verification of your identity, you can view your credit report and score online. You can even print them out if you choose to. When you order a credit report on this site it is important to note the following: Both your credit report and credit score are free when you sign up for a free 7 day monitoring trial. The score, report, and monitoring is free for 7 days. This is a trial offer and there is no obligation to continue checking and monitoring your credit beyond 7 days. However you may find that credit monitoring is one of the best things you can do to stay on top of your credit and track changes to your credit report as soon as they occur.
You probably already know why millions of people are monitoring credit these days. There was a time when people left the business of their credit to loan officers or the finance person at the car dealership, or maybe even the credit bureaus. Today, however, smart consumers understand that everyone has easy and virtually immediate access to their credit report
and score online. Upon verification of your identity, it just takes a couple of minutes to receive your online report and you can even print it out if you want to. It doesn't make sense to cross your fingers and hope your credit report
and score are good enough to qualify you for credit, or for the lowest rates. Today, you can take control yourself and it's really a fast and easy process.
You even have the right to check your credit report for any inaccurate information, and if you discover items on your credit report that are negative and inaccurate items, you have the right under law to file a dispute with the appropriate credit bureau who reported the item in question. The credit bureau is then required to investigate the item with the creditor who filed the information. Within 7 days, the item must be verified or it will be removed from your credit files. Checking your credit can not only help you get the credit you deserve and help you save money by helping you qualify for lower interest rates, but monitoring your credit can also help you detect potential identity theft as soon as possible!
Credit monitoring provides you with email alerts on key changes to all three of your credit reports, Experian, TransUnion, and Equifax! By receiving these daily email alerts, you will be able to stay on top of your credit on a daily basis, to make sure your reports are as accurate as possible. Staying on top of your credit can help you save a lot of money when you finance a car, or go for a home loan or refinance. Your credit score can even affect your insurance rates or whether you're hired for a job. Monitoring your credit on a daily basis can also provide you with a "first line of defense" against identity theft, the fastest growing crime in America.
Important information for consumers: You can order a free credit report from each of the three credit bureaus once per year under the FACTA Law. The special website set aside for consumers to receive free reports under this law is www.annualcreditreport.com. It is important for consumers to understand that this free yearly report does not include a credit score and it doesn't include ongoing credit monitoring. While checking each of your credit reports from all three credit reporting agencies is an important step for consumers to take, we believe it is also very important for you to monitor key changes on all three of your credit reports on an ongoing basis. This could save you a lot of money, and headaches, over the long term!