How To View Your Credit Score For Free

repost from behance

In trying to secure a loan, credit or service, your creditworthiness is being evaluated. And this is usually done by looking at your credit score. IF you don’t have any idea on Credit Score, let’s have a look.

What is a “credit report”?

Credit report is the record of your credit history with information about your identity, your current credits, inquiries on you and your public record. There are three credit bureaus – Equifax, Experian or TransUnion – that collect information about your credits, standing and even your public records. These three credit bureaus are the ones making credit report of your credit history and calculating your credit score.

Credit report is essential for lenders and other kind of companies to determine whether to grant your loan, give you credit, hire you or provide services for you.

You can see your credit report once in twelve months for free. Only, credit report does not show your credit score.

What is a “credit score”?

Credit score speaks of your credit history and helps lenders to determine whether or not to grant you credit, what are the terms and the rate you will be required to pay in case you are given the credit.

Your credit score would be calculated using the following information:

· Your accounts such as credit cards, mortgages, loans;
· The status of your account ad how long it has been existing;
· Your outstanding debts;
· If you are paying your bills promptly; and
· If there are any collections pending against you.

How to get your credit score?

Sometimes, when you are trying to secure a loan, the lender will tell you your credit score for free. But generally, if you want to know your credit score, you will have to purchase it from the three credit bureaus.

But there is another way to view your credit score for free. If you want to see your free credit score gov, check out this website for freeannualcreditreport and free credit report gov. They have recommended several services on free credit score gov. There are tons of free trial offers in the internet to get your free credit score, but they have given the Top Free Credit Score Offers.

Check your credit score beforehand so you know what to expect more or less when you applied for a loan or for a service. And you can have it free thru the Free Credit Score Offers in the said website.

Free Credit Scores – Why Do You Need Them

Your credit SCORE is the key factor for loan officers, lenders, and your creditors in determining what loans you’ll be approved for and how much you can borrow. It’s also a key factor in deciding what your loan interest rates will be for auto loans, mortgage loans, and personal loans. Also, what types of credit cards you can obtain is based on your credit SCORE. Your free credit report gov is just the raw data that’s used to come up with your credit score. Currently your scores are NOT included in your annual credit reports and there’s a fee to see each one. But there’s a way to obtain them for free. Learn more at this free credit score gov site FreeScoreReportGov.com

THIS NOTICE IS REQUIRED BY LAW. Read more at FTC.GOV. You have the right to a free credit report from AnnualCreditReport.com or 8773228228, the ONLY authorized source under federal law. freecreditreport.gov

How To Rate Free Credit Score Offers

#1. Number of credit scores you get to see for free – This is one of the key factors in our review score and ratings. Ideally you want to see your scores from all 3 major credit bureaus to get a comprehensive view of your credit picture. Your scores also differ from each credit bureau. Naturally any offer that helps you to obtain all 3 scores will rank higher.

#2. Number of credit reports and files being monitored – This is also an important factor in seeing which service is good. You want the best and most comprehensive credit monitoring and identity theft protection service for maximum protection.

#3. Other Benefits & Features – All usually have decent customer service such as a toll-free hotline where you can ask questions and receive assitance, learning resources, advise and/or assistance if you ever become a victim of credit fraud, etc. Depending on who you ask, one service is better than the other. But you also have some offers with exceptional features others don’t have.

• Why Can I Receive Free Credit Scores?

Simply put, free credit score offers are set up so you can try out their credit monitoring or identity theft protection services. You can receive your credit reports for free once an year, but not your SCORES. Other benefits besides being able to see your credit scores for free include better protection from identity theft. After the free trial period, many will continue with a paid membership because they’ve enjoyed the benefits of the service. Others will simply cancel the service during the free trial period. But either way, you get to view your scores for free.

• What Affects My Credit Score?

Your credit score will come from the three major credit bureaus namely Experian, TransUnion, and Equifax. The score i based on the data that is contained in yur credit files. A unique algorithm is used to calculate your score. Some of the factors that affect your score included the amount of debt you have in relation to your available credit. The general rule of thumb is to keep your debt-to-credit level below 30%. Also, the number of credit accounts that you’ve openned can affect your credit rating or score. But more important is if you pay your bills on time.

• Benefits of monitoring your credit

The increase in identity theft is one big reason to monitor your credit. You may not be aware that you are already a victim of identity theft, only to find out that unknown bills were being charged to your accounts. By continuously monitoring your credit, you can immediately detect any discrepancy which enables you to fix the problem immediately to avoid further damage to your credit rating. In addition to identity thef protection, there may be serious errors on your credit files. Lenders may send erroneous data to the credit agencies. Identifying these errors helps you t fix them.

• Is the credit of my spouse affecting my credit?

Yes, Yes, if you share a joint account together. For instance, if a credit card account is owned by y and your spouse. But other than this, your credit score is only affected by your transactions and yours alone.

• What is the length of time before something pops out on my credit statement?

Usually, lenders update the agencies if there is a payment completed or is neglected within 30 days. But usually you’ll receive a notice from your creditors, reminding you to settle your payments before they report it to the agencies.

• How long does bad credit stay on my report?

Based on FCRA or the Fair Credit Reporting Act, it will take 7 years but depending on the situation. If you have tax loans, it will hang about for a decade and a half. If you have a bankruptcy, it will stay for a decade. It is important to consult a tax lawyer or representative for further details.

• Do I still need to pay this balance?

According to the Fair Credit Reporting Act or FCRA, bad credit data can stay on a borrower’s credit report up to seven years. But if you pay off or settle your debts with a creditor, you can often ask them to report this to have the negative marks removed from your credit files. If you have tax liens or delinquencies, this may linger on your credit files for up to 10 years. This is also the case for personal bankruptcies.

• How do I correct the inaccuracy on my credit report?

You can dispute any errors on your credit files by notifying the agencies. Usually by mail, but in this day and age you should be able to notify them online. Ask them to investigate the error. Be specific. It is their duty to investigate the errors and to correct or delete them.

• What discrepancies can I dispute?

Any activity you didn’t approve including those accounts opened using your name, any counterfeit or erroneous charges that were made, wrong personal information, can be contested.

• If I enroll with a company that offers credit monitoring, will this affect my credit score?

Regular inspection of your credit report will not affect your credit.

• In what situation will I receive a notification from a credit monitoring service or id theft protection service?

One of the main benefits of a credit monitoring service or identity theft protection service is immediate notification of any suspicious or unusual activity on your credit files. Depending on the service, you might receive immediate notification If a new account is opened under your name. These features vary from service to service, so it’s best to compare them beforehand.

Free Credit Report Gov

Free Credit Report Gov

Free Credit Report Gov

Every 12 months you can request a free copy of your three credit reports per the Fair and Accurate Transaction Act (FACT). These reports are provided by Equifax, Experian, and Trans Union.

Keep in mind that requesting your free annual reports will not give you your credit scores. To access your credit scores you can pay an additional fee to each credit bureau or to a credit monitoring agency that can do monthly monitoring of your credit and provide you will your scores in addition to your reports.

How To Request A Free Credit Report Gov

  • Annually—you can access your free annual reports through one of these three methods:
    • By Phone: You can call Annual Credit Report Service at 1-877-322-8228.
    • By Mail: You can download and mail in a Annual Credit Report Request Form to:

Annual Credit Report Request Service
PO BOX 105281
ATLANTA GA 30348-5281

When you request to receive your free annual credit reports, be prepared to provide personal information such as your current lines of credit, dates of past lines of credit, social security number, current employer, or your past and present address.

If you request your reports online you will receive them instantly, if you request via phone or mail you will receive them within 15 days.

Is There Any Other Time That You Can Request a Free Credit Report Gov?

Yes, there are circumstances that arise that allow you to request free credit reports under FCRA regulations. Some of these circumstances are:

  • If you have been turned down for a line of credit, received an “Adverse Notice”, or received a collection notice that your credit rating may be adversely affected, you have 60 days from the denial or notification to request a free copy of your credit reports.
  • If you have placed a Fraud Alert on your credit file you can request a free copy of your credit reports. You can place a Fraud Alert on your account when you suspect someone has gained access to your personal information, such as having your purse or wallet stolen. The Fraud Alert will be active on your account for 90, or longer if you call to extend. You can call each bureau directly to place a Fraud Alert on your credit file or go to:

http://www.consumer.ftc.gov/features/feature-0014-identity-theft.

  • If you have any of these changes occur you can also request an additional free reports:
    • Are recently unemployed and would like to check your credit reports to assess what information potential employers may see. Employers cannot access your credit files without your written consent.
    • Have been placed on welfare.
    • Have reason to believe that some type of inaccurate information or fraud has been added to your credit files.

What If I Don’t Qualify For a Free Credit Report Gov

Anybody who has received his or her free credit report Gov (freescorereportgov.com) for the year, but would still like to check the credit files can for a small fee. You can do this by:

  • Signing up with a credit monitoring agency that, for a monthly fee, will give you your updated credit scores, credit reports, and alert you of any changes to your credit files.
  • Contact each for the credit bureaus individually and pay a small fee to each for your reports. You can reach each of the bureaus at:

Monitoring your credit files on a regular basis is key in maintaining healthy credit scores and assisting in early detection of Identity Theft and fraud.

Free Annual Credit Report Gov

Free Annual Credit Report Gov

Free Annual Credit Report gov

There are not too many things in life that are free, but getting a free annual credit report is one of them. Good credit is essential to obtain the credit you will need throughout your lifetime. In today’s troublesome economic climate, it is next to impossible to buy a home or even get one refinanced without a good credit score. So, what is a credit score? A credit score is a compilation of a set of statistics that show a great deal about your credit status and how you have handled your credit over a period of years, months or days.

A credit score can tell lenders a great deal;

  • How much credit you have
  • How late you may have been on your payments
  • If you have missed any payments over the past year
  • Any negative reports from creditors
  • Any tax liens or court judgments for payment

Free Report

Once per year, anyone should be able to obtain a free copy of their credit report simply by requesting access to the information. One of the most common occurrences regarding a credit report is that not too many of us really think about our credit and how it may impact our lives until we learn that we are having to pay a much higher interest rate than we thought. It is then time to obtain a copy of your credit report and one way is to get a free annual credit report gov, from any one of the top three credit reporting bureaus. These three are;

  • Equifax: 1-800-685-1111
  • Transunion: 1-800-888-4213
  • Experian: 1-888-397-3742

All reports from lenders get logged into at least one of these big three credit reporting bureaus Many lenders will check the credit from all three, although some lenders prefer to do most of their business with one credit bureau, as they understandably develop excellent working conditions with the employees at that bureau. Each one of these credit bureaus can have a different score than the other, although most of the time all three scores are similar.

Getting a copy of your free annual credit report gov (freescorereportgov.com) is something that is free at least once per year in most cases. All one needs to do is to select which one of the three credit bureaus you want and request the information. After your get your free credit report, you can spend some time looking it over for errors. It is not uncommon for there to be errors on your report that is being reported to lenders. These errors can keep you from getting the loan that you need. Go over your report very carefully.

Anything that you do not agree with can be appealed or disputed. Disputes can be done quite easily. If you tell the credit bureau that something is wrong on your report they will conduct an investigation and the problem may be removed. Some people’s names are very similar and this is sometimes where the confusion lies. Another person’s history gets mixed up with yours and the report is inaccurate.

Make sure that you go into good enough detail so that the credit bureau can do a thorough check on your behalf. Getting this free annual credit report gov is one of the best ways to make sure that your credit stays in good shape, so that all of your future credit needs can be taken care of. This is vital in all phases of our lives, if we want to purchase or renovate our homes, take an expensive trip, or to open your own business. It is so important to keep on top of what your report is telling other people.