Free Annual Credit Report – Online Instant Analysis from Equifax, Transunion and Experian with Help of Government and FTC
Posted on | December 20, 2010 | No Comments
As Christmas 2010 is less than one week away it is likely the case that many Americans will purchase a large number of Christmas gifts over the next five days. Unfortunately, many Americans may also consider purchasing on credit cards which could lead to debt problems in the future. Instead of purchasing Christmas gifts with a high interest rate credit card it may be wise to take advantage of the free annual credit report online first.
This free annual credit report is available on the website annualcrediterport.com offers instant online analysis of a credit history from the bureaus of Equifax, Transunion and Experian. The federal government and FTC has offered this website to consumers to help them better understand why they are receiving a specific interest rate.
It is important to note that this does not include a free government credit score. To receive a credit score you will likely have to pay a fee between $15 and $30 depending on the service that is purchased. It is sometimes worth it to spend this little bit of extra cash to put a numerical value on a credit history.
By accessing the free annual credit report online customers will better understand if there are mistakes or inaccuracies that need to be addressed. Unfortunately, millions of Americans go throughout their adult life without ever checking a credit report. This could cause major problems as in accuracies could negatively affect your credit score which in turn could hurt the possibility of receiving low interest rates on money borrowed.
When it comes to borrowing money is generally the case that credit score will be the biggest factor when it comes to receiving low interest rates on a home loan, car loan, personal loan or credit card. With this being true it is always wise to make certain that a credit report is completely free of errors and 100% accurate.
Author: Heather Best
Tags: equifax free credit report > experian free credit report > free annual credit report > free credit report online > instant credit report analysis > transunion free credit report
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