How to get a Free Credit Report.

Be very leary of free credit report offers that are actually free. We all know that nothing is actually free in life. There are some websites that offer an actual free credit report, but you don’t get your credit scores. There are also sites that offer credit reports from each credit bureau, such as www.annualcreditreport.com. This site gives you a free 3-1 credit report but there are not any scores included with these reports. If you want your credit scores you have to pay for them. In this article I wanted to give you the facts about free credit reports and how they work.

Trial Credit Report offers
The most common free credit report offer is 7 day and 30 day free trial credit report offers. These type of credit reports usually included signing up for credit report monitoring. You can actually get free credit report with all 3 credit scores on a trial basis. This is the only credit report that is FREE on a trial basis. You do have to call these companies back and cancel all services once you have received your credit report and scores.

Annualcreditreport.com
This is a government mandated site where the credit bureaus have to provide you with a free credit report with no credit scores every 12 months. If you want your credit scores you will have to pay for them. There is no trial period what so ever.

Credit Score estimators
Some sites offer credit score estimators where you input certain variables about your credit situation and they will estimate your credit scores. I personally think this could be misleading since it’s not an actual credit score from the credit bureaus. You can also input the wrong information and get something completely incorrect.

What your really need
If you are getting ready to get recent copy of your free credit report make sure you get a 3-1 credit report with a credit score from each credit bureau. This is what creditors look at. So you need to be looking at something similar.

To get our free credit report with all 3 credit score go here.

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 , credit cards, mortgage loans, auto loans, insurance, debt consolidation ,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