Does get you what you really need ? is a government mandated site to provide a free credit report to consumers once a year. You get a 3-1 credit report with NO credit scores. But you get a FREE credit report. At our job is to educate you about what you really need. When you go to the bank do you think the banks just pulls a credit report with no credit scores? If you thought the answer was no you were correct. The only advantage of this government mandated site is you do get a 3-1 credit report from all 3 credit bureaus, once a year. Lets assume you have already pulled your free credit report and now have decided to make a purchase 4 months later. It is suggested you pull a copy of your credit report if you are about to make a big purchase or apply for credit. So you cannot get a credit report for another year, so what do you do? You can go to and get your FREE trial credit report with all 3 credit scores.

Why you need to know your credit scores
Your credit scores is how any lender, bank, credit card company, auto lender, and insurance company determines your likelihood of paying back a obligation. A credit score is your risk and any given point in time. Most lenders now use FICO scores to determine this. So the question is if all of these companies look at your credit scores, shouldn’t you know your credit scores as well? The answer to that is yes.

Why pulling your credit report once a year is not good enough.
Even though gives you your 3-1 credit report once a year, anything can happen to your credit report within a 30 day window. So if you just pulled your credit report, and someone steals your identity afterwards, you would not know about it until creditors start to call you wanting their money.

At you get what you’re really need, get your free credit score report:

Here is what you get:

• 3-1 credit report
• 3 credit scores
• From all 3 credit bureaus
• Credit monitoring & Alerts
• Delivered to you instantly on-line

About the Author: Mike Clover is the owner of 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.

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Disclaimer: This information has been compiled and provided by as an informational service to the public. While our goal is to provide information that will help consumers to manage their credit and debt, this information should not be considered legal advice. Such advice must be specific to the various circumstances of each person's situation, and the general information provided on these pages should not be used as a substitute for the advice of competent legal counsel.