Free Credit Report No Credit Card Required!
If you’re a U.S. citizen, you are eligible to receive a Free Credit Report No Credit Card Required. You can get this once per year (every 12 months) from the 3 major Credit Reporting Agencies: Experian, Equifax and TransUnion. This is made possible under The Fair and Accurate Credit Transactions Act (FACT Act).
Now you can keep your money in your pocket and Get Your Free Credit Report No Credit Card Required. This Free Annual Credit Report is directly sponsored by Experian, Equifax and TransUnion – so rest assured that it is a reputable source to get your free credit reports.
Note: Due to the rising problem of identity theft, you should make it a strict habit of checking your credit report(s) at a Minimum of once per year.
Tip: You have the right to dispute any and all credit reporting errors. Be Advised: It is the ultimate responsibility of the creditor to prove that you owe the debt that they accusing you of. Creditors are given a fair ‘limited’ amount of time to prove your debt (usually about 45 days from the time of your dispute). If they can not confirm that you owe the debt within the set timeframe, then that negative item must be eliminated from your credit profile. That’s credit law!
Another reason to check your credit report is because there could be old or outdated items in your profile affecting your credit score. Generally speaking, bad credit items items are supposed to drop from your credit profile after 7 years and bankruptcies after 10. However, this doesn’t always happen as it should. Get a copy of your Free Credit Report No Credit Card Required to insure old items have been removed.
A Free Credit Report Is Good But…
Be advised that your credit report will not include your credit scores (otherwise known as your FICO scores). Although a credit report will reveal to you what’s in your credit profile, it will not contain your credit scores.
Your credit score is vitally important because many Lenders will use this to determine if they will lend to you or not. Also with a better credit score, you can qualify for loans with lower interest & fees.
In addition, now-a-days many employers even view your credit score to determine whether to hire you or not, so staying in the dark about your credit score is very unwise. You should always know where you stand and continuously work to improve your overall credit profile.
How to Get Your Free Credit Score
So far there has been no free access law passed to get your credit score. But there are ways to get your free credit score without paying a red cent IF your timing is right. (Usually through a free credit monitoring trial, in which you’re allowed to cancel during the trial period if you choose to.
Note: Be advised that you actually have 3 major credit scores/FICO scores, reported by the 3 major credit reporting agencies: Experian, Equifax and TransUnion. Some sources will give you access to one or more of your credit scores depending on their current promotions.