Free Credit Reports with No Credit Cards

Free Credit Reports with no credit cards required was an article I wrote about a while back. I have got some feedback in regards to this article. Here are the facts about free credit reports.
There is only one type of credit report that does not require a credit card and is free once a year. The credit report can be obtained at annualcreditreport.com. All the other offers that say “FREE credit report” are only free trials. That means you get it free for so many days. The reason there is a charge at a later time is because is comes with really useful services such as credit monitoring and credit scores. Annualcreditreport does not give you your credit scores, nor do they give you credit report monitoring. So with this being said if you want a credit report with credit scores 14.95 – 29.95 is not that much money to get a piece of mind. When creditors pull your credit report they don’t go to annualcreditreport.com to see what’s in your report, especially since most creditors look at your credit scores to make a decision.






What type of credit report do you really need?
While you are surfing the web out there trying to figure it out, let us give you some suggestions. I will tell you this; credit reports with no credit scores are useless. I repeat credit reports with no credit scores are useless. The reason why is all creditors look at your credit scores to determine your risk. If you are getting ready to make a purchase or just want to know what’s on your credit report, get a 3-1 credit report with your credit scores from each credit bureau. If you don’t cancel within the trial period you will get charged for it. It would not hurt to get credit monitoring set up, so when key changes take place to your credit report you will be notified via e-mail. During this day and age you cannot afford to wait a year to get a copy of your credit report at annualcreditreport.com. You also need to check your credit every 60 to 90 days. Anything can happen to your personal credit report within a 30 day period. This is why annualcreditreport does not provide what you really need for FREE. A recent study was just done about identity theft and identity theft happens every 4 seconds in this country to someone. So do you think waiting a year to see your credit report with no credit scores is ok? I think you get the picture now. Make the investment in credit reports with your credit scores and monitoring. It’s like having life insurance, you have that piece of mind now to protect you and your family.






About the Author: Mike Clover is the owner of http://www.creditscorequick.com/. CreditScoreQuick.com is the one of the most unique on-line resources for free credit score report, fico score, free credit check, identity theft protection, secured credit cards, student credit cards , mortgage loans, auto loans, insurance and a BlOG with a wealth of personal credit information. The information within this website is written by professionals that know about credit, and what determines ones credit worthiness