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Free Credit Report
Your Free Credit Report: Know What Your Numbers Mean
Everyone is entitled to a free credit report, which should be accessed about once a year. A free credit report is basically a credit report that you do not have to pay for. However, there are only a limited number of free credit reports that you are allowed to obtain (usually one per annum.) If you would like to obtain a free credit report but have already used up your free credit report limit, then there are strategies. For example, you can make sure that you get denied for a credit card, then ask the company that denies you to see the credit report. You are always entitled to see the credit report when you are denied. Here are some things that you should know about your free credit report:
Many Companies Offer Them - But They Are Not All the Same
Many companies, especially online companies, offer free credit reports. You should know that most of these time, these are scams. You are asked to give away your personal information in order to obtain the free credit report, but that information is then sold or used for marketing purposes. If you want to obtain a free credit report, make sure you go through a legitimate company that has a proven track record.
Make Sure Your Identity Has Not Been Stolen
The primary reason that people like to check their credit reports is to make sure that their identities have not been stolen. A free credit report is a good way to make sure that you have the credit score that you deserve. Check your credit report once a year or every few years - especially if you continuously receive high interest rates.
Get a Lower Interest Rate
You may be able to find something on your credit report that you can fix. If you fix it, you could start to get lower interest rates. For example, if you see that you have an outstanding balance somewhere, all you need o do is pay that balance off and you will be able to start getting lower interest rates in a quicker amount of time.
Obtaining a free credit report is a good idea for anyone - especially people who are receiving high interest rates or are about to apply for a loan. The objective of obtaining a free credit report is finding ways to lower your interest rates and boost your credit score. You should be careful about signing up with a company that offers a free credit report because many companies are not legitimate. Get a free credit report at least once every few years so that you can check in on your credit score.