Free Credit Check

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Free Credit Check – Your Credit Score Looks High And Mighty!

Does this score make you look like you indulged a little too much this holiday season? If so, maybe you need a free credit check.

While some free credit checks are tied into scams or other packages that cost more than you bargained for, the free and instant credit reports do exist. Thanks to FRCA (Fair Reporting Credit Act) and the FTC's (Federal Trade Commission) Annual Credit Report program, you are entitled to a one-time free credit report through one of three top credit-reporting agencies (CRAs)– Experian, Equifax and TransUnion.

Based on your eligibility and a rollout schedule based on U.S. regions that started December 1, 2004, you can receive a credit report subsequently once every 12 months. This offer is not directly available from these top three credit bureaus. Instead, you can request this credit report by phone, by mail or online ( http://www.annualcreditreport.com ).

While the CRA is a gatherer of your credit information, you still need to have some important personal information on hand in order to get the right report, such as your name, address, Social Security number, and date of birth. Since security comes before freely supplying a credit report, Annual Credit Report during this interview will also ask a security related question (such as your mortgage payment). Do not respond to pop-ups or emails claiming to be from Annual Credit Report and requesting further information. This scam should be reported to Annual Credit Report if this occurs.

A simple credit report checks on four (4) main parts: personal information, credit report (accounts), inquiries, and public records. Look over this information for accuracy and mishaps. Since identity theft is a pervasive problem in today's easy-access environment, frequent credit checks can assure your standing is not under attack. Look over inquiries also to find out which permissible inquiries such as landlords or employers have looked into your credit history, score and report.