by Susan Paige
A good credit score is your key to disounts in borrowing from the bank and insurance, which includes auto policies and home policies. It can also be critical for getting a job or a rental home.
The National Foundation for Credit Counseling’s 2014 Financial Literacy Survey exposed that despite being able to get an annual free copy of their credit score from AnnualCreditReport.com, 65% of Americans hadn’t requested their credit report during the past 12 months.
That’s hazardous because unnoticed errors on your credit report may cost important credit-score points and give rise to loan denials – and higher rates of interest if you’re authorized for a credit card or loan.
Here are three different methods to get your free credit score report so that you may check for errors, mistakenly noted debt, and discover ways to enhance your credit score.
Get Annual Credit Score Report Free
You may order your free credit score reports online from annualcreditreport.com, the one approved website for free credit reports. This is the only site approved to issue free credit reports, so be aware of fake websites that charge unneeded fees. Prepare yourself to give and confirm your personal information, like your social security number and address.
You may also ask for your free credit score report by phone or by email. If you’re making a big purchase, including a car or home, it is a great idea to obtain your credit report from all three agencies. Save and print your reports so that you can review them afterward.
Get Credit Score Report From Credit Card Company
You shouldn’t use a new card only to get your credit report, however, you could use your current card as a gauge of where you are, particularly if your current credit card delivers a free monthly credit score or a free copy of your credit report.
Some of the most widely used credit cards provide free monthly credit scores, such as American Express, Bank of America, Chase, Citi, and Discover.
Keep in mind that the scores are not FICO scores, but they’re free credit scores that can be useful keep an eye on your score and look for changes and bogus activity.
Use A Free Credit Tracking Service
Lastly, there are actually free credit monitoring services that can offer you a glance of what your credit score could be. One major company is Credit Sesame. It uses score which is much like your FICO score and is determined by your credit history.
It is free to use and can help you keep an eye on and enhance your credit.
Final Words
Now you understand how to get a free credit report, and you have got the tools from credit monitoring services you should fully grasp and improve your credit score .
Have you picked up a copy of your free credit report yet? Share in the comments below!
So, what do you think ?