Your credit report affects most things you do, from accessing financial deals and getting better terms for cables and internets to your insurance premiums and the effect when you borrow. You need to maintain creditworthiness but to do this; you should keep an eye on your credit report. Several companies now allow you to get a free credit report. With the free credit report, you can keep tabs on your credit history and records as often as possible.
Where to Get Free Credit Report?
There are several places to get a free credit report. However, the first place to think about is the three major credit bureaus. Unlike before, you can now get a free credit report from Equifax, TransUnion, and Experian.
Each of the three bureaus is required to give you a free credit report per year. You can get the free credit report from annualcreditreport.com, a website created by the three bureaus. You can also get a free credit report from each of the three bureaus directly from their individual websites.
Besides getting a free credit report from the three major bureaus, there are a plethora of other places to get a free credit report. You can get the credit report from your bank, your state, or from free websites like Quizzle, Credit Karma, Credit.com, or Credit Sesame.
Several banks offer a free credit report to their customers. Banks like Citibank, Chase Bank, and many others offer a free credit report. You can check with your bank to find out if they offer a free credit report.
How Many Times Can You Get a Free Credit Report per Year?
While some of the aforementioned services offer only one free credit report per year, some others allow you to get up to two free credit reports per year. For instance, each of the three major bureaus is required to give you one free credit report in a year.
Also, it is important to get a free credit report from each of the bureaus to make sure you have a comprehensive overview of your credit information and history. This is because some lenders who report to a credit bureau may not report to another. Therefore, a free credit report from just one of the bureau may not be very accurate.
Furthermore, banks and the free websites mentioned above also offer a free credit report per year with the exception of credit.com. You can get up to two free credit reports from credit.com.
With the various options for getting a free credit report, it is easier now more than ever to keep an eye on your credit history. This makes it super-easy for you to monitor your credit score and determine whether to improve your credit history or not. It is also important to keep an eye on scammers. Some sites ask for subscription and your credit information before allowing you to get a free credit report; that could be a trap to rip you of your hard earned money.