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How To Get Your 3 Free Credit Reports NowBy Expert Author: SusanMill
Your credit report is available to you right now, you just have to reach out and grab it. The only thing that seems to me to hold people back is that they simply don't know that the report is there for the taking, for free, right now. The Fair Credit Reporting Act(FCRA) is a Federal law which requires each of the Big 3 Major Credit Reporting Agencies to provide each and every American citizen with a free copy of your credit report, at your request. This law does not require you to have any reason other than curiosity to take a look at your report once every 12 months.
Ever heard the saying, too good to be true? You know all those too good to be true offers on the television an internet offering you something for free, with insane back end costs down the line? Like the offers for a free trial of a product with insane recurring billing? Or when someone offers a free gift to you if you sign up with enough sponsors? See? Nothing is really free.
It's important to act with caution when you are reviewing your financial status and standing. How everything looks on paper is what matters at the end of the day. Depending what your plans are, your situation can dictate whether or not you can go on that vacation you want, get approval for loans on a house or car you'd like to purchase, or even your ability to fulfill your enjoyment of life. If you can improve your score, the level of enjoyment you receive from life will most likely drastically increase.
The two most important factors are one, how many payments & the amount you have paid off over time, and two, the overall amount you have had access to during those periods. They see how much of your total accessible credit is available and how much is taken, this alone can dictate if your credit score rises, stays the same, or potentially decreases. If you continually rack up new debt over the course of years, and the ratio available decreases as well, you will likely suffer from a drop in credit score.
When choosing your offer remember this: The credit report and services you receive are absolutely free, for a limited amount of time. Many companies will offer you 7 day free trials in which you can get your credit report, view other statistics and benefit greatly. If you wish not to be billed, you must cancel your membership before the end of the trial. You will get what you need, and pay nothing.
They aren't trying to be deceptive, but simply offset the costs of the services they offer you at no cost, while paying for their expensive hosting and company expenses. A free credit report is actually free, but be sure if you think you may be charged, use a card that will definitely have room for awhile and that you can pay off immediately. That will prevent you from obtaining information about your credit score and making it worse at the same time by racking up more credit in the process.
There is only one website out there that can actually help you to obtain the free copy of your report. However,many other sites are springing up claiming to offer a "free" credit report, but once you get down to the "fine print" it is easy to see that the "free" report is only good for a short time and in order to get the free report, you must subscribe to the site. It turns out that what these "imposter" sites are really offering you is simply a"trial period" after which you are charged on a monthly basis for these services and to still be able to view your report.
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