Consumers who want to receive an online credit report can go online and get reports from all three credit bureaus: Experian, TransUnion, and Equifax. The process is fast and easy to go online and receive your credit report. Most credit reports will also include a credit score from the particular credit bureau that is providing you with the information. It generally only takes a few minutes. Once you provide proof of identity, your report will be available to you online. You can even print out your credit report if you desire.
In most cases, you will be asked to provide a credit card. For most online credit report services, your credit card will not be charged initially and you will be able to receive your free credit score and free credit summary, along with a free 7 day trial of an email alert-style credit monitoring service.
Credit Monitoring Can Help in the Early Detection of Identity Theft
After the 7 day trial period, the monitoring service normally costs about $12.00 per month, and it monitors key changes on all three of your credit bureaus. This is a very valuable service that can help you detect identity theft sooner rather than later. For example if someone tried to use your identity to open up a new credit card account, with a monitoring service, you would receive an email alert to inform you that someone had applied for a credit card account in your name. If you do not want to be charged for the monitoring service, you will have to cancel your monitoring membership before the end of the 30 day trial period. This is a free offer and there is no obligation for consumers to remain on the program past the initial free trial period.