Why Get a Free Online Credit Report?

Basically, free online credit reports are used to make a number of critical decisions that go far beyond your ability to obtain credit cards and loans. These include renting an apartment, seeking employment, and obtaining low rate insurance coverage. You always want to make sure that your credit report is accurate and up to date.

Unfortunetly, anyone with a “legitimate business need” can gain access to your credit history, including:

•Those considering granting you credit.
•Landlords.
•Insurance companies.
•Employers and potential employers (but only with your consent).
•Companies with which you have a credit account for account monitoring purposes.
•Those considering your application for a government license or benefit if the agency is required to consider your financial status.
•A state or local child support enforcement agency.
•Any government agency (limited usually to your name, address, former addresses, current and former employers).

Your right of access is mandated by federal and state laws. We strongly recommend that you review your free online credit report on a regular basis in order to check for accuracy, especially with rampant identity theft on the rise.

Is there more I should know if I’m a victim of identity theft? If you are a victim of identity theft or suspect your SSN may be compromised, you can get a copy of your free online credit report from services online with access to each of the 3 credit bureaus. If you’re keeping track of where you stand with creditors you are less likely to be shocked by a large drop in numbers or the realization that someone has stolen your identity.

Generally, only an employer or prospective employer needs your written consent to obtain your free online credit report. An exception is Vermont where any user needs your oral or written consent. In practice, most potential creditors ask for your permission to review your free online credit report. Your permission is not required when inquiries are made in connection with a pre-approved credit offer.

To View Your Free Online Credit Report & Scores From All 3 Bureaus - Follow the Simple Steps Below