If you are a savvy consumer, it is a good idea to request a copy of your credit report every year. By reviewing your credit report, you can ensure that your credit is in good standing, and you can review your credit history for any sign of fraud.
Unfortunately, where to find your credit report can be confusing. If you are looking for the cheapest credit report available, there is good news; you can get your credit report from each of the three major credit agencies for free each year from www.annualcreditreport.com.
www.annualcreditreport.com is the only direct source to all three credit agencies for a reliable, fraud-free annual credit report. The website was created by the three major U.S. credit agencies (Equifax, Experian, and TransUnion) in order to comply with obligations of the Fair and Accurate Credit Transactions Act. You’ve probably seen a variety of other credit reporting websites advertised. These websites even have tricky names that make them sound “free”, but in reality, most are littered with hidden charges. Some similar-sounding websites will even route you unintended destinations, such as link farms or for-fee services, so be careful to point your browser to the correct address.
The free reports you can obtain from www.annualcreditreport.com will provide you with a comprehensive list of credit activities, credit inquiries and public records such as liens and bankruptcies. One piece of information that is not included for free in this report is your credit score. Your credit score can be invaluable in understanding how your credit is viewed by potential lenders. If you would like to obtain your credit score, you will be given an opportunity to purchase the score directly from the major credit agencies after obtaining your free report. The cost of adding your credit score to the report is generally $5.95-$7.95.
The thing with knowing your credit score, and how it works with getting same day cash, is that if you’re able to get a loan from the bank instead of a payday loan lender, you are going to save an incredible amount of money!
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