Free Online Government Credit Score Not Part of Annual Credit Report – Costs are Associated with Experian, Equifax and Transunion Scores
Posted on | September 20, 2011 | Comments Off
Taking the time and effort to extensively research or personal finance situation often prove to be greatly beneficial when it comes to refinancing a home loan or negotiating lower interest rates on a credit card. With the 10 year treasury rate yield below 2% in September of 2011 many Americans are looking to save money during the current low interest rate environment.
Before doing so it may be a very wise decision to take advantage of the free annual credit report supported by both the federal government and after the state. It is important to note that there is a big difference and a free annual credit report and a free credit score. At the present time there is no such thing as a free government online credit score.
The free credit report includes a credit history analysis from the bureaus of Experian, Equifax and Transunion and is only available in one website – annualcreditreport.com. This can be a very useful resource for individuals who are looking to save money by locking into the lowest interest rates at the present time.
Unfortunately, some Americans do not recognize that there can be mistakes and errors that could negatively affect a credit score by as much as 100 points. With this in mind it is always a wise choice to check your credit report at least once a year to make certain that there are no inaccuracies.
They may also be a wise choice to access the FTC website for much better understand how to save money. There are many free articles and resources on the FTC website that help explain how to create a strong weekly or monthly budget that will allow individuals to much better understand how to spend money they have already earned rather than buying on credit.
Author: Mike Garner
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