Free Credit Report - How to Get Yours and Monitor your Credit Rating

Oct. 7, 2010 - PRLog -- Are you struggling to get a loan from a bank? Have you thought that you might be a victim of identity theft? Many have been the victim of identity theft and it is estimated that nearly 60% of them have no idea that they have had their identity stolen. There is a way to prevent this and it involves getting your free 3 credit report a few times a year. Here are some tips to help you out.

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First, you can get your credit report for free from many website and now there are even a few that will offer a tri pull, which is all three of your credit reports for free. Even if you have to pay a few dollars for all three of them it is well worth it. Most of these services want you to try out their credit monitoring service and you can cancel it whenever you want so it is no big deal to give it a test run.

The reason you need to check your credit at least once a year is that there are people that will steal your identity to get credit cards, loans, and for many other purposes that can even have a warrant out for your arrest without you knowing it. With your credit report you can check to see if there are any accounts that are not yours and put a stop to it before they steal your life from you.

Also, this will ensure that you have a good handle on what your credit looks like. Even if your identity is never stolen sometimes accounts get reported wrong or to the wrong person. You may not be the only person in the world with your name and sometimes if that is the case you could end up with accounts on your credit that do not belong to you. This can all be fixed, but you have to have your credit report so that you know what is going on.

You should really pull your free 3 credit reports at a minimum of 2 times per year, but it is recommended that you pull your credit once every 3 months. It only costs about $25 to do this and you get one freebie each year. The great thing is that means it will only cost you about $75 to know what is going on in your financial life and to keep it under control the way you need to.

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

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