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Empower Yourself With Free Credit Reports - Printable Version

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Empower Yourself With Free Credit Reports - matcherelves - 06-01-2019

The best thing you can do for yourself and your financial future is to take responsibility and ensure your credit reports are accurate. The amount of money you can save from having the best possible credit score is monumental.There is often a misconception that credit is something you own, bestowed upon you along with your Social Security number, a long list of freedoms, and access to free education. The truth is that credit is a product.


RE: Empower Yourself With Free Credit Reports - shadowbrain - 06-01-2019

(06-01-2019, 12:23 PM)matcherelves Wrote: The best thing you can do for yourself and your financial future is to take responsibility and ensure your credit reports are accurate. The amount of money you can save from having the best possible credit score is monumental.There is often a misconception that credit is something you own, bestowed upon you along with your Social Security number, a long list of freedoms, and access to free education. The truth is that credit is a product.

We may feel we should have the right to full access and knowledge of accurate credit reports since they are used to determine many of our financial opportunities. The reality of the situation is that credit reporting agencies do the dirty work of continuously compiling up-to-date information on your home address, financial obligations, and payment history. This information is then sold as detailed reports to third parties, such as creditors, employers, and insurers, in order to determine one’s creditworthiness.


RE: Empower Yourself With Free Credit Reports - stuckafar - 06-01-2019

At a minimum, request a copy of your credit reports from each of the three major credit-reporting agencies. If it’s in your budget, sign up for one of the credit and identity-theft monitoring services like IdentityForce to ensure you’re proactively monitoring your credit score. That way, you can aim to pay the least amount of interest on all of your future investments, saving you huge amounts in the long run.


RE: Empower Yourself With Free Credit Reports - matcherelves - 06-01-2019

(06-01-2019, 12:24 PM)stuckafar Wrote: At a minimum, request a copy of your credit reports from each of the three major credit-reporting agencies. If it’s in your budget, sign up for one of the credit and identity-theft monitoring services like IdentityForce to ensure you’re proactively monitoring your credit score. That way, you can aim to pay the least amount of interest on all of your future investments, saving you huge amounts in the long run.

For a deeper dive into credit, what the numbers mean, and where to monitor your numbers, check out our report on the Best Credit Report Site of 2017. If you’re interested in paid credit monitoring services that help guard against identity theft, be sure to read up on the Best Credit Monitoring Service for 2017.


RE: Empower Yourself With Free Credit Reports - shadowbrain - 06-01-2019

Your credit score affects whether you can get a loan or credit card, as well as what interest rate and other terms you’ll get. It can also affect whether you can rent a home, get a job, or get insurance. Your credit score is a number that is based on information from your credit report.


RE: Empower Yourself With Free Credit Reports - stuckafar - 06-01-2019

(06-01-2019, 12:25 PM)shadowbrain Wrote: Your credit score affects whether you can get a loan or credit card, as well as what interest rate and other terms you’ll get. It can also affect whether you can rent a home, get a job, or get insurance. Your credit score is a number that is based on information from your credit report.



Your credit report, is a record of whether you pay your bills on time, what debt you have, where you’ve lived, whether you’ve been sued or arrested, and other information. Creditors report your payment and debt information to credit reporting companies, which then put together credit reports that other creditors can look at when deciding whether to give you credit. There are three major credit reporting companies in the United States: Equifax, Experian, and TransUnion.