Free Annual Credit Report Online from FTC and Government – Reports from Experian, Equifax and Transunion
Posted on | November 20, 2010 | No Comments
With interest rates very close to all-time lows it is the case that many Americans are looking to borrow money at very cheap rates on credit cards, personal loans, home loans and car loans. Before applying for any type of loan it may be advisable for Americans to take advantage of the free annual credit report online that is offered by the FTC and federal government.
At the present time this free annual credit report is only available at one website – annualcreditreport.com. When looking to gain access to the free credit report each year from the bureaus of Experian, Equifax and Transunion it is important to access this report at the website that is sponsored by the FTC and federal government.
There many other websites that may claim government approval but they will be punished in the near future as the FTC is coming down very hard on these organizations. Before going through any loan process is always advisable to make certain that a credit report is completely free of errors. By having errors or mistakes on a credit report that could negatively affect a credit score as much as 100 points.
By addressing mistakes on a credit report that could help many Americans save quite a bit of money when it comes to lower overall interest rates. Some Americans are finding that they could save hundreds of dollars on a monthly mortgage payment by simply refinancing to a rate below 5%. With conventional 30 year fixed mortgage rates at 4.4% at the present time there are many ways to save on home loan.
It is also the case that other major financial decisions are much easier with an impressive credit score. But having a credit score that is above 740 and many financial offers will be available to customers when compared to those who have a credit score that is well below 600. It is very surprising to see how much financial leverage good credit borrowers actually have.
Author: Mike Garner
Tags: free annual credit report > free credit report online > free equifax credit report > free experian credit report > ftc free credit report > government credit report online
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