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identity free bureaus access

In 2008, almost 22 million people were affected by identity theft that resulted in over $45 billion in losses. With instances of identity theft continuing to rise, it is more important than ever to monitor your credit accounts. The best way to do this is by keeping a close eye on your credit report. There are three major credit bureaus that monitor credit history: Equifax, Experian, and TransUnion. Since 2005, all consumers have had the right to get one free credit report from each of the bureaus per year. While they all have slightly different information and rating systems, the basic report from each of these companies contains the same basic information. These reports list basic information about you, such as your name, social security number, address, and date of birth. It also lists all of the credit accounts that are currently open in your name, along with your payment history. It also contains a list of inquiries into your credit rating. These are classified into voluntary inquiries, which happen when you apply for a new line of credit, and involuntary inquiries, which are inquiries that credit companies make in order to offer pre-approved cards. If you see a voluntary inquiry that you did not authorize, then that is a sign that your identity has been compromised. Finally, if applicable, public records, such as bankruptcy declarations and mortgage foreclosures, will also appear on your report. Thankfully, access to your instant credit report online is available from a number of sites.

Instant Credit Report Sites

One of the best reviewed online credit report sites is Identity Guard. This site offers a free 14 day membership followed by a monthly charge of $9.99, $14.99, or $17.99, depending on which features you want. Also, discounted rates are frequently available at the company’s website. By signing up for a free trial membership, you can get access to an instant credit report from all three credit bureaus online, along with a number of other features. While all of their plans offer online surveillance of your credit accounts, the $17.99 plan has extra features such as encryption and protection of your online passwords, monitoring of your public information, and identity monitoring. Another well regarded site that can give you instant access to your credit report is TrustedID.com. This site also offers a 14 day free trial membership, followed by a yearly rate of $125 for an individual or $240 for a family. They offer the same basic services as Identity Guard, with an instant credit report from the three credit bureaus, password protection services and careful monitoring of your identity.

For those who are looking for a easy and free way to find an instant credit report online, the three credit bureaus run the Annual Credit Report website. At this site, consumers are entitled to one free credit report every year. Once your identity is confirmed, you can get instant access to your credit report online.

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