Getting Your Credit Score, Best Free Credit Report

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how to get your credit score, best free credit report If you are trying to build your credit, you need to access your credit score regularly and get a credit report from time to time – best if free of course. This way, you can see exactly what is going on with your credit situation so you can address issues that need to be taken care of and you can watch how your efforts affect your score. In many cases, consumers don’t always really know what’s on their credit report until they see it. It’s easy enough to forget about old bills, but there are also cases of credit fraud that involve other people using your name and credit to purchase goods and even get cash in hand. In fact, according to the Federal Trade Commission, as many as 21 percent of American consumers have found an error or mistake on one or all of their credit reports. These errors can make a huge difference in whether or not you are approved or denied the next time you apply for a credit card. To ensure you stay on top of your finances, here are several ways to track and monitor your credit, as well as some of the places you can get your credit score and credit reports. Get a Free Credit Report The Fair Credit Reporting Act was put in place so that consumers could have the ability to see what was on their credit report once a year without paying for the service. The three credit bureaus, Equifax, Experian, and Transunion all use the same government-provided online service to offer these reports. AnnualCreditReport.com offers you to see your credit report once a year after you request it. For many consumers, this is the easiest and best free credit report to get, simply because you can access them quickly right from your laptop. However, what happens when you ... ... middle of paper ... ...to determine whether or not you are worthy of a loan of some sort but could be used to for other instances such as advertising and marketing efforts. Any of the creditors you currently have an account with might check your credit through a soft inquiry to determine if you qualify for increased credit or other products. The good news is that when you are checking your credit score or a credit report it is a soft pull on your credit file and doesn’t not affect your score. Knowing how to get your credit score is just the start, but having an idea of the where to get the best free credit report is the next step because it gives you more than a number. Combine all of the available information you have and address all elements of your credit worthiness by keeping your payments current, disputing claims you don’t remember, and limiting your use of credit available to you.

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