Your Access To Free Credit Reports

Your Access To Free Credit Reports
Free Credit Reports; have you wondered where to get one?
There are so many different web sites out there offering
this service, since it is so important these days to know
what's being reported about you. Everyone knows you can go
once a year to annualcredit report.com to get a free one,
but there are limitations that most don't know. Here are
the issues with this service.
1. No Credit Score
2. You only get access once a year.

Just about every lending institution that looks at your
creditworthiness looks at your score, so shouldn't you get
your free credit score report as well? Every 3 seconds
identity theft takes places, so do you think checking your
report once a year is good enough? I have discussed in
previous articles about the importance of checking your
report every 60 days, because it does not affect your score
and a lot of negativity can be reported about you. Lets
assume you are getting ready to make a big purchase, or you
have just have been denied for a credit application, if you
were better prepared you could of done the following.

1. Negotiated a better interest rate
2. Instead of being told no, you were told yes, because you
were on top of your credit situation.
3. Maybe you got the job, because your credit showed you
were a responsible person.
4. Your insurance premium is lower

Do you see how not properly managing your credit can sneak
into all aspects of your personal life? It's amazing how
your credit is the determining factor for a job these days,
but with the internet now, you can get access to your
profile within a few key strokes securely on-line.

I am sure you are still wondering which report to get, well
you should get a 3-1Free Credit Score Report with all 3
scores. This way you get the entire picture, just like the
creditors do. You also should sign up for monitoring, that
way you are notified when critical changes take place to
your personal report. This is absolutely so important I
would recommend getting starting as soon as you are done
reading this article. I have also mentioned before that
some individual may not even marry you, because of your bad
credit, wow, this credit stuff is really serious business
these days. The need to know is so strong that you need not
wait. I would get your Free Credit Score Report now.

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About the Author: Mike Clover is the owner of
http://www.my720fico.com . My720fico.com is one of the most
unique on-line resources for free credit score reports,
Internet identity theft software, secure credit cards, and
a BlOG with a wealth of personal credit information. The
information within this website is written by professionals
that know about credit, and what determines ones credit
worthiness.