Getting a Credit Report Tips

Read these 9 Getting a Credit Report Tips tips to make your life smarter, better, faster and wiser. Each tip is approved by our Editors and created by expert writers so great we call them Gurus. LifeTips is the place to go when you need to know about Credit Report tips and hundreds of other topics.

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How much should I pay for a credit report?

Order Credit Report

Banner advertisements on the Internet may flash "Order Credit Report Here" to encourage you to visit their website. Since there are a number of places that can do this for you, you may want to compare prices and other details before making the request. There is no reason to pay an arm and a leg for a copy of your credit report. There is also no reason to pay for a copy that you can view only once rather than have available for at least 30 days.

   
Can I get a free credit report anywhere?

Free Credit Reports

Should you trust an advertisement for free credit reports? It all depends. Do you know the source making the offer and feel comfortable that you can trust them? Credit.com offers free credit reports with a 30-day trial from TransUnion, one of the three credit agencies. But you get more than a credit report with this offer, the trial period also includes email alerts about changes in your credit, access to tips on improving your credit and credit monitoring. After the 30-day trial, your credit card will be billed, but you can cancel at any time.

   
Can I get my credit report online?

Online Credit Reports

Getting an online credit report has never been easier. With a credit card and some basic information about yourself, you can easily order an online credit report. Many websites and banner ads offer links that allow you to request your credit report through them. Even financial institutions may offer you an easy way to get your credit report through them. It does help to know your credit history before applying for more credit and nothing is faster or more convenient than the online credit report.

   
Can I get an instant credit report?

The Instant Credit Report

In this age of information and technology, no one likes to wait for anything. Credit reports are no exception. Getting your credit history is fast and easy with an instant credit report available online. This can be found through the websites of any of the three major credit reporting agencies -- Experian, Equifax and TransUnion. You will be required to supply a credit card, check number or ATM number since there is a fee to get your instant credit report.

   
Should I take advantage of a free credit report no credit card offer?

Free Credit Report No Credit Card Required

Some sites on the Internet may advertise free credit reports, no credit card required. Be cautious before applying for a deal like this. Some may be a scam where unscupulous thieves wait for unsuspecting victims to supply their personal information like social security numbers, names and addresses. If it is a reputable website offering free credit reports that you trust then it is likely ok, but if you're in doubt don't provide your information until you have checked them out.

   
Can I request a copy of my credit report through the mail?

Request Credit Report

You can request a copy of your official credit report to verify the accuracy of all of the information being reported about you. To get this information, you can send a letter to one of the three major credit reporting agencies or go to their websites to put in your request. There are advantages to accessing this information online, including the fact that the information on your credit report can be updated daily. Ordering a copy by mail and waiting for it to be delivered almost guarantees that it will be out-of-date by the time you receive it.

   
How can I get a free copy of my credit report?

How To Get A Free Credit Report

Many people may not know how to get a free credit report. In fact, most consumers don't know that this is available to them. You are entitled to one free copy of your personal credit report each year and can request it by clicking on a link provided by the three big credit reporting agencies - Experian, Equifax and TransUnion. In addition, any time you are denied credit based on information appearing in your credit report, you will receive notice that you are eligible to receive one free credit report.

   
Should I get a loan through a lender offering a free credit report?

Free Credit Report Online with Credit Monitoring

One way to make sure your identity hasn't been jeopardized is by obtaining a free credit report online each year. However, what happens after you've taken a look at your credit report and another year passes? That's where credit monitoring comes in. Many banks are now offering both a free credit report online, as well as free credit monitoring through the year. This means the bank will monitor the three credit agencies for any significant changes in your credit and then notify you. While this is another method in protecting yourself, be sure to read the fine print because some banks only offer free credit monitoring for a limited time and then charge you a monthly fee.

   
What is a consumer credit report?

Consumer Credit Reports

Consumer credit reports are designed to provide information about you to potential lenders. It helps to consolidate all of your information in one simple and easy location to make the credit approval process easier. You can make sure all information is accurate by reviewing your credit history on an annual basis and get incorrect information fixed immediately.

   
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