Other Free Encyclopedias » Online Encyclopedia » Encyclopedia - Featured Articles » Featured Articles: Mobile New Phone - Getting a New Mobile Phone to Department Of Motor Vehicles New York - How to Save Time and Money at the New York DMV - Youth Resources

My Credit Check - How to Check Your Credit Online - Free Annual Credit Report, Major Credit Reporting Bureaus, Credit Monitoring Services

You Can Check Your Credit From Your Computer

reports score consumers receive

It is a good idea to check your credit prior to applying for a loan. If you want to know how to check credit, you have several options.

Free Annual Credit Report

Consumers are allowed to get one free credit report per year. You can go to Annual Credit Report to receive your free reports from the three major reporting agencies. Your reports from Experian, TransUnion and Equifax will be available immediately and can be printed off and kept with your records. You don’t have to sign up for anything or give your credit card information to obtain your free annual reports.

Major Credit Reporting Bureaus

If you have already received your free credit report, you can pay for a report at any of the three major credit reporting agencies. Simply go to their websites and order your reports. Along with your reports, you can receive your credit score. While the score will cost extra, it will give you important information about how creditors view you creditworthiness. Creditors do not look at the individual accounts on your report, but instead, they examine your credit score. Your score is compiled based on several factors, including your accounts. Thus, consider getting your score if you are paying for a report from one of the three major credit reporting agencies.

Credit Monitoring Services

You can also have your credit check done by a credit monitoring service. When you choose this option, you will receive a free credit report, but you will have to enroll in a credit monitoring service. In most cases, consumers are charged a monthly fee for the service. The credit monitoring service will provide you with constant access to your reports and score, and will guard you against identify theft. Many services also include alerts. If there is a change to your report, you will be alerted via email. Then, you can go in and see how the change affected your score. Services like FreeCreditReport.com offer a seven-day free trial, so consumers can test-drive the service prior to committing to a long-term agreement. During that trial, they will receive their credit reports and get to try out the different features provided by the service.

Many people want to know, “Where can I get my credit check?” Once they do some research, they realize there are lots of options available for consumers. From free annual reports to credit monitoring services, people can stay on top of their credit by using the resources available online.

Area Rug Contemporary - How to Choose a Contemporary Area Rug - Contemporary Area Rug Fabrics, Contemporary Area Rug Prices [next] [back] Womens Saddle Shoes - How to Buy Women’s Saddle Shoes - Women’s Saddle Shoes, Saddle Shoe Style

User Comments

Your email address will be altered so spam harvesting bots can't read it easily.
Hide my email completely instead?

Cancel or