Free Transunion Government Credit Score Not Part of Annual Credit Report – Experian and Equifax Scores Come with a Fee As Well
Posted on | October 25, 2011 | Comments Off
As we continue to get closer to the Christmas holiday shopping season It is the case that more and more Americans are taking the necessary steps to get the lowest interest rates on credit cards or personal loans. Some of these Americans will likely seek a free Transunion government credit score but it is important to note that this is not available at the present time.
The federal government and FTC offer a free annual credit report that includes a credit history analysis from the bureaus of Transunion, Equifax and Experian but it is very important to note that this does not include a free credit score. To obtain a credit score most individuals will pay a fee between $15 and $40 depending on the service.
But heading into the Christmas holiday shopping season will likely be true that many hard-working Americans look for Black Friday TV sales in 2011 which could end up saving them a significant amount of cash. Before deciding to spend a lot of money on Black Friday and maybe a smart decision to make certain that interest rates are very low on credit cards or loans.
By paying down high interest-rate debt such as credit card or personal loans most people find that they can reduce the debt to income ratio which in turn will increase your credit score. By having a credit score above 740 some individuals will have an opportunity to negotiate very low interest rates on any amount of money borrowed.
As we get closer and closer to Christmas it is often true that American households spend a little bit more money. Rather than doing this in 2011 it might be smart to create a strong weekly or monthly budget that will allow individuals and opportunity to document each and every expense and possibly cut back on the spending this year.
Author: Jeremy North
Tags: credit report free online > free annual credit report > free credit score online > free transunion credit report > free transunion credit score > online free credit score