Personal Credit Report Get it For Free - From All 3 Bureaus

July 23, 2010 - PRLog -- A great service, that consumers have access to is one that allows them to get a personal credit report for free from all three in one bureaus. This is a listing of all open card and loan accounts that a consumer has. One typically states balances, last payment amount, high balance, low balance, amount of money issued, and if the account is open, delinquent, or in good standing. Other items such as bankruptcies, bank liens and loans, collection accounts, and other court related issues are listed on the last page which is usually negative items only.

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If you want to repair your finances you need to check your three credit reports every month. This helps consumers protect themselves against identity theft. Many identity thieves open fraudulent accounts in victims' names. Victims do not know that this is going on because the bills are not being paid and the accounts are delinquent which impacts negatively their finance.

If consumers want to improve their overall financial score, they need a credit reporting service to give access to their information. A good score is a necessity to secure loans at a good interest rate. The annual credit report is not enough, you need to check the report more often to keep apprised on any new developments. The information on consumer accounts is updated constantly because consumers make and miss payments often and the overall balances are constantly being updated because they all have differing due date. The three credit reporting agencies are always getting information on consumers, so the reports are updated in many cases weekly.

By using the free option, consumers can get a first impression of how their financial history is before committing to check the information on a more regular basis. Because the economy is so bad, banks and other financial institutions are more hesitant to extend lines of credit to consumers.

Before applying for a bank loan, car loan, or credit card, consumers should view the free report and see how things stand. If there are items that need to be resolved, then consumers can delay applying for these items until they are financially better. The more a person is denied for things, the less likely other companies are to issue credit to them. Consumers should take the first step and visit the online websites that offer free three in one credit reports because they are very beneficial and cost nothing to get them.

Get your free credit report - http://www.debtconsolidationcc.com/credit-counseling.html

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