Free Credit Report Checks - What You Need to Know About Online Credit Reports

Aug. 7, 2010 - PRLog -- Free credit checks make reviewing your credit worthiness easier than ever. Consumers who regularly check their credit report online find it much easier to catch and fix any mistaken info listed in their credit history. Free credit checks also help consumers ensure identity theft prevention.

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

Your credit score is calculated based on the history in your credit report and this score will change regularly, sometimes each day. Credit scores allow lenders to quickly make credit decisions based on the number that is shown on a consumers credit report. Credit scores sum up all the information in your credit report and represent your over-all credit worthiness and past credit history.

By monitoring your credit report, you can stay on top of your credit. Other than getting your credit report each day, free credit checks are the best way to know what is happening within your credit report. Under Federal law, you have the right to receive a free copy of your credit report once every twelve months from each of the three leading consumer reporting companies. Just remember, all free credit checks are not the same.

Each of the three credit reporting agencies display your credit history differently. Checking all three of your credit reports can help ensure you are maintaining a healthy credit profile free of mistakes. Credit checks can be obtained online, by phone, and via mail. Credit reports obtained online are available for your viewing immediately upon authentication of your identity.

Online credit reports are an easy and safe way to get your free credit reports and free credit scores. These reports are very easy to read and use color graphics and info guides to assist you. Be sure to check each of your credit reports very carefully for mistakes and always make sure your personal information is correctly listed. Credit reports are not perfect and are likely to contain errors.

Free credit checks allow you to see what future lenders will see. Being proactive and viewing your credit report allows you to take action about your credit score if you think there are issues. Did you know that Experian has reported that it takes consumers, on average, a whole year to discover they have been a victim of identity theft? By regularly viewing your credit report, you can help deter identity theft. All the more reason to request a free credit check.

Simply monitoring your credit report is the most effective way to protecting your credit against errors and fraud. Watch activity on your credit report for things like inquiries or the opening of new accounts in your name. Consider a credit monitoring service to help you watch over your credit report.

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

# # #

http://www.debtconsolidationcc.com help improve your credit score and bring you a debt free life. You can obtain free debt consolidation and settlement advice, free credit report and credit repair, stop foreclosure, IRS tax relief help and more.