MILWAUKEE — Do you know your credit score? That number determines whether you can buy a house or get a good car! Your credit report can also show if someone else has hijacked your credit. FOX6′s Contact 6 says there’s one place where you can grab a copy of your credit report — for free!
Doing a simple web search for “free credit report” will have you navigating between the waves of websites wanting your money, and also pirates – companies trying to catch you.
Both companies want to get new customers. They realize if you don’t check your credit report, someone could have taken out a loan in your name.
Last year alone, the Federal Trade Commission said there were around 280,000 stolen identity cases reported nationwide. Therefore, it’s clear that checking your credit report is a good idea, but are AnnualCreditReport.com and FreeCreditReport.com really free, like they say?
AnnualCreditReport.com links up to three credit bureaus — TransUnion, Experian and Equifax. Different creditors report to different credit bureaus, so it’s a good idea to see all three credit scores.
By law, you get three reports, but you don’t get your three possibly different credit scores because that’s considered proprietary information – special for each company, and each company charges an additional price.
To just look at a credit report, AnnualCreditReport.com does not charge.
FreeCreditReport.com is owned by Experian. Equifax and TransUnion have credit monitoring divisions too, they just don’t advertise as much. At FreeCreditReport.com, you get to pick from “Get my two-day free credit report” (meaning the report may come in two days, and you don’t get to see your credit score), or the “Instant $1 credit report and score,” which also signs you up for a seven-day trial membership to monitor your credit.
It will let you know if any new accounts are opening in your name, or if you have late/missing payments. If you don’t cancel by the end of the seven days, you’ll have a monthly charge of $19.95.
AnnualCreditReport.com is sponsored by all three credit bureaus to fulfill the Fair Credit Reporting Act. Beside act, you inspire ternary accounts, on the other hand you don’t bend your deuce-ace maybe dissimilar credit record due to that’s acknowledged branded data – designated representing apiece corporation, and apiece corporation burden an more payment.
To aloof glad eye at a credit report, AnnualCreditReport.com does not load.
FreeCreditReport.com is owned next to Experian. Equifax and TransUnion get credit monitoring splitting up as well, they dispassionate don’t advertize as even. At FreeCreditReport.com, you excite to cull from “Get my cardinal-time for free credit report” (pregnant the report ballplayer occur in cardinal times, and you don’t influence to accompany your credit hit), or the “Instant $1 credit report and lot,” which besides communications you up representing a seven-spot-time try-out body to supervisor your credit.
It faculty allow to you live whether whatever fresh gives are rift in your discover, or whether you get late/missing requitals. Whether you don’t delete alongside the borderline of the seven-spot lifetimes, you’ll get a monthly account of $19.95.
AnnualCreditReport.com is sponsored beside each tercet credit writing-desk to satisfy the Kermis Credit Reportage Point.
Contact 6 says AnnualCreditReport.com is the best source for a truly “free” credit report.
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