Is free credit report accurate?

No one wants to keep a bad credit report. Why? Because it affects virtually everything you do from your insurance and mortgage to your auto loans and student loans. Most employers even check the employees’ credit history before employing them. Knowing the importance of the credit report, you need to regularly monitor it and make sure you keep a straight credit report. But to keep a tab on your credit report, you need to easily access it, which is where a free credit report comes in.

Why You Need to Free Credit Report

You need a free credit report for several reasons especially because you should maintain creditworthiness. With a free credit report, you can access your credit history easily and without any cost. This makes it possible for you to keep an eye on your credit history.

However, there is usually a limit to the number of times you can access a free credit report. For instance, you can access a free credit report from each of the three major bureaus (Equifax, Experian, and TransUnion) from per year. You can also choose to get the free credit report directly from each of the bureau’s website.

Getting an Accurate Free Credit Report

The information contained in the free credit report obtained from each of the three major bureaus may differ. This is basically because lenders who report to a credit bureau may not report to another. Thus, to get a comprehensive free credit report, you need to ensure you get from the three lenders.

As a matter of fact, a free credit report from a lender may not be considered accurate. In other words, it is very important to review the credit reports to make sure that they are accurate.

A similar case also applies to the free credit report you obtain from other sources. As a matter of fact, the most credible place to obtain your free credit report is either or the directly from the credit bureaus. But you can also obtain a free credit report from some other platforms such as Credit Sesame, Quizzle, Credit Karma and so forth.

 No matter where you obtain your free credit report, it is usually important to make sure you have the credit reports from the three major bureaus, compare them and have a comprehensive overview of your credit information. This will give you a good idea of your credit history and inform you about your creditworthiness.

Of course, the number of free credit reports you can obtain from a platform in a year is limited. Platforms like Quizzle, Credit Karma and Credit Sesame only offer one free credit report per year. But you can obtain up to two free credit reports per year from There are oodles of other platforms to obtain a free credit report. You can even obtain one from your bank. The bottom line is to adequately review the free credit report to be sure it is accurate and also make the most of it to improve your credit score.

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