Check Credit Report And Score - Easy Access Online

July 8, 2010 - PRLog -- Some people trust in their judgement and believe that it will stay positive. Other people believe that checking it will damage their credit. Some people think that it's too hard, or that it doesn't matter.

Aurora Lillo Editor of the "Best Credit Reporting Services" website -- http://www.CreditReportsAndScores.biz -- pointed out;


“...And some people just don't realize the importance. However, all of this is wrong. Checking one's credit report is extremely important, very easy, can be done cheaply, and does not damage one's credit score...”

Many people choose to check their report through the government sponsored website Annual Credit Report. Doing this is a mistake. This website is free but it simply is not as good as many of the other options that are available. It only shows a small part of the picture, as the score is not included in the report that one receives, and does not offer any protection against identity theft.

The best way that a person can get easy access to their credit report online is through one of the major distributors that allows this, such as freecreditreport.com and creditreport.com. These sites, among others, charge a small fee but offer a great service. Using an extremely easy interface a consumer is able to view his or her report from all three major credit Bureaus at regular intervals, including the score that is associated with that report. This is all done online, and securely, mitigating the risk of identity theft.

Another feature that these sites offer, beyond the ability to check one's report and score, is the ability to easily defend against identity theft. As part of the program that these sites offer, one is able to sign up for protection if their credit report suddenly starts to drastically change. For example, if a malicious party starts to open up numerous accounts in the consumer's name, he or she would receive a warning from the website, so that action could be taken. This, as well, is done online, and is very easy as all communication is through email.

“...It is extremely important to know one's credit score, beyond just the information on the report. This single number determines a huge amount about a person's financial status, including whether a person can get loans and what the cost of those loans will be. The price of not knowing is far above the price of the above highly-recommended services...” added A. Lillo.

Further information about how to get a detailed credit report including scores and as often as you want by visiting; http://www.CreditReportsAndScores.biz