Why all free credit reports are not the same.
I am sure you have heard you can get your free credit report once a year. Yes, you can get your credit report once a year for free but you don’t get your credit scores with each credit bureau for free. Some websites offer a credit report but they don’t give you everything you really need in a 3-1 credit report. In this article I am going to explain some of the different offers out there and what critical information they are missing.
Free Credit Reports offers
There is only one website that offers free credit reports once a year. www.annualcreditreport.com is that site. You get this credit report from each credit bureau once a year for free. You don’t get your credit scores though from each bureau. There are other sites that will provide you with a 3-1 credit report with credit score from each credit bureau on a trial basis. Typically the trial credit reports are between 7 to 14 days.
Credit reports with one credit score
Some website will offer a free trial credit report with only one credit score. This is another situation where you are only getting part of what you need. I suggest you get a credit score from each credit bureau since that is what creditors look at. Each credit bureau calculates its own credit score. When a creditor pulls your credit report they will pull it from each credit bureau with scores as well.
Credit Reports with credit monitoring
This credit report offer usually comes with a credit report from each credit bureau, but again with no credit scores. You will get credit monitoring with the service, but still this credit report offer is missing critical information as well.
Credit Reports with FICO score
Equifax offers a credit report offer where you will get your real FICO score and that is it. You don’t get your FICO score from the other two credit bureaus. So the positive thing is you get your actually FICO score the banks use, but you don’t get it from the other two credit bureaus.
3-1 Credit Report with all 3 credit scores
This credit report offer is my credit report of choice. The reason is you get a idea of where your credit scores and credit information stands with all 3 major Bureaus. When lenders assess your risk they look at a credit report similar to a 3-1 credit report with a score from each credit bureau. Do you research before you get a credit report, yiou might be getting what you don’t need.
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
Free Credit Reports offers
There is only one website that offers free credit reports once a year. www.annualcreditreport.com is that site. You get this credit report from each credit bureau once a year for free. You don’t get your credit scores though from each bureau. There are other sites that will provide you with a 3-1 credit report with credit score from each credit bureau on a trial basis. Typically the trial credit reports are between 7 to 14 days.
Credit reports with one credit score
Some website will offer a free trial credit report with only one credit score. This is another situation where you are only getting part of what you need. I suggest you get a credit score from each credit bureau since that is what creditors look at. Each credit bureau calculates its own credit score. When a creditor pulls your credit report they will pull it from each credit bureau with scores as well.
Credit Reports with credit monitoring
This credit report offer usually comes with a credit report from each credit bureau, but again with no credit scores. You will get credit monitoring with the service, but still this credit report offer is missing critical information as well.
Credit Reports with FICO score
Equifax offers a credit report offer where you will get your real FICO score and that is it. You don’t get your FICO score from the other two credit bureaus. So the positive thing is you get your actually FICO score the banks use, but you don’t get it from the other two credit bureaus.
3-1 Credit Report with all 3 credit scores
This credit report offer is my credit report of choice. The reason is you get a idea of where your credit scores and credit information stands with all 3 major Bureaus. When lenders assess your risk they look at a credit report similar to a 3-1 credit report with a score from each credit bureau. Do you research before you get a credit report, yiou might be getting what you don’t need.
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
Labels: credit monitoring, credit score, free credit reports, free credit score reports
posted by my720fico at
3:31 PM
2 Comments:
Can you tell me which free credit report offer is the best one? I don't have time to read all offers out there. I also want accurate and detailed credit scores information. If you can answer in your blog, it would give me a place to send my friends too.
By
Anonymous, At
July 9, 2008 6:17 PM
Hello I would recommend www.creditscorequick.com, the Privacy Matter offer on the front of the site comes with a 3-1 credit report with all 3 credit scores. This is a very good consumer credit report.
By
Anonymous, At
July 9, 2008 6:52 PM
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