Free Annual Credit Report – Instant Online Access to Reports from Experian, Transunion and Equifax from the US Government
Posted on | December 13, 2010 | No Comments
With Christmas day less than two weeks awayIt is likely the case that many American households will consider purchasing Christmas gifts or merchandise on credit. Before doing so it may be a very wise decision to take advantage of the free annual credit report that offers an instant online analysis to reports from the bureaus of Experian, Transunion and Equifax.
It is important to remember that there is only one website that currently offers a government-sponsored free annual credit report – annualcreditreport.com. It is a very wise decision to take advantage of this credit report because many Americans have gone through life without checking for mistakes or errors when it comes to credit agencies reporting on a specific financial situation.
By having mistakes on a credit report it can negatively affect your credit score which in turn will cause much higher interest rates on credit cards, home loans, car loans or personal loans. Some Americans could end up losing hundreds of dollars a month in the form of higher interest rates due to mistakes on a credit report that were not their problem.
Unfortunately, many of these Americans continue to go through life without even considering an analysis of their credit report. With the government offering one free credit report each year to every American there is no reason that a hard-working individual should pass up this opportunity to possibly save money in the very near future.
It is important to remember that there is no free credit score available at the present time. There is a chance that a free credit score could be available in the future but currently there is only a free annual credit report at the website annualcreditreport.com. To obtain a credit score is usually between $15 and $30 but it is sometimes worth it to pay this money to get a numerical value on a credit history.
Author: Heather Best
Tags: free annual credit report > free annual credit report online > free credit report online > free equifax credit report > free experian credit report > instant credit report online
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