Free Annual Credit Report – Government Issued Experian, Equifax and Transunion Credit History Analysis in July 2011
Posted on | July 22, 2011 | Comments Off
As the 10 year treasury rate yield remains around 3% many Americans have an opportunity to refinance a home loan or negotiate lower interest rates on a credit card to save money in July of 2011. Before doing so it may be a wise choice to take advantage of the free annual credit report that has both the federal government and FTC support at the website annualcreditreport.com.
It is very important to note that at the present time there is no such thing as a free government credit score as customers will usually have to pay between $15 and $40 for credit bureau score. It is often the case that individuals seeking a triple credit score from all of the bureaus may have to pay a little bit more as they are receiving more information.
Even without receiving a credit score is still the case that Americans should take advantage of the free annual credit report. By accessing this free credit report most will find that there are many opportunities to address areas of concern when it comes to lines of credit. Unfortunately, some individuals do not realize that they have many lines of credit outstanding that could be negatively affecting a credit score.
They may also be the case that some individuals have mistakes or errors that are hindering their overall credit score. Some individuals could see their credit score drop by as much as 100 points if they allow inaccuracies to accumulate on a credit report.
Doing extensive research on a financial history often proves greatly beneficial when it comes to negotiating lower interest rates on any type of money borrowed. This is one of the many reasons that the federal government offers a free annual credit reports all American adults. There’s no reason to pass up this opportunity as it could help individuals save money and improve their lives.
Author: Mike Garner
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