Credit Guide

Most people are familiar with the term credit report but not everyone has a clear picture of exactly what a credit report it is. Your credit report can be viewed as a report card of your financial and credit activities. You are "graded" on your payment timeliness and credit activity. The fewer late payments you have made and the fewer delinquent accounts you have, the better your grade will be. Your credit score is basically a cumulative grade of your credit report. It is important to know what is on your credit report to ensure that your credit activity is being reported correctly.

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But unlike a regular report card, you will not receive a copy of your credit report unless you request one. There is more than one way to go about when requesting a copy of your credit report. For a fee, you can receive a copy directly from one of the major credit bureaus. Or you can obtain a free copy from one of the many companies available on the Internet. There are many reputable companies that will provide you with a copy of your credit report completely free of charge. Visit www.credit-report-credit-score.com to learn more about credit reports and how to get a free copy of your credit report.

You are entitled to a free online credit report When you want to do a credit check, in the world of online credit reports, you have many options available to you. Under The Fair and Accurate Credit Transactions Act (FACT Act), the three major credit bureaus (Equifax, Experian, and TransUnion) are required to provide all U.S. citizens with an annual free credit report upon request. The federal government established an official website, AnnualCreditReport.com, to provide consumers with a safe, secure site through which they can order their free online credit reports.

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Some people may be a little skeptical about requesting a copy of their free credit report and may wonder if it is as good as a copy that you would pay for. But rest assured that a free credit report contains the exact same information that you would receive if you had paid for a copy directly from the credit bureaus.

Get your free credit report online and instantly find out your credit score from three credit bureaus at Credit.privacymatters.com

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You may be wondering why would companies provide you with a free copy of your credit report and is there a catch? Most companies that will grant you a free copy of your credit report require that you sign up for a credit monitoring service of some sort. But as long as you cancel the service before the free trial period ends, then you never pay a penny and still get to keep your free credit report. However, there are some really good credit services out there if you choose to keep the service. Many people have greatly improved their credit situation with these types of services. So make sure that you know all of the benefits before canceling a credit service that may accompany your free credit report.

Whether you realize it or not, your credit report plays a critical role in your life and you'll be better by understanding what a credit report is and how it affects you. Your Credit Report Is... A credit report is a summary of your credit history. A free credit report will be made available to you when you try 3. This credit report includes information and safeguards from all three major credit reporting bureaus — TransUnion, Equifax and Experian.

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By Card Credit Debt Debt Guide About The Author

This article was written by Beth Pardue who has over 10 years of experience in the financial industry assisting clients with assorted financial needs. To learn more about credit reports or to get a free credit report online please visit: http://www.credit-report-credit-score.com

But Rep. Bernie Sanders ( VT), the Ranking Independent on the subcommittee, said that extensive inaccuracy in credit reports, coupled with growing identity theft, underscored the urgent need for stronger consumer protections. Sanders repeatedly said the place to start was "one free credit report per year." Vermont was one of the first states to have a law requiring one free credit report per year. Throughout the House's spring and summer hearings, Sanders continued to harangue committee members about the need for a federal right to a free credit report.

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