Free Credit Report and Free Credit Scores - How to Get a Copy of Your Credit For Free

Your free credit report is one of the most important things that you need to care of in your financial life.
Feb. 16, 2011 - PRLog -- Your credit report is one of the most important things that you need to care of in your financial life. If you have a bad credit report, then you will find it hard to get a loan or even get approved for a new credit card. The fact that your credit report and your credit score tells creditors or lenders about your past loans and the way you pay those loans, they will be able to know if you are a good payer or not as well as determine if they will approve you for a new credit card or loan that you are applying for.

This is why it is important for you to maintain a good credit score as well as a good credit report. You should be able to easily get approved for a loan or a new credit card as well as take advantage of the great deals that come with it.

Even if you can get approved for a loan if you have bad credit score, you will see that it is not just hard to find a creditor that will be able to do so, but the loans you get approved for will have high interest rates that will get you to end up paying for more.

Get your Free Credit Report -

However, there are some instances where you may experience getting rejected for your loan or credit card application even if you know that you are a good payer and that you pay your bills on time.

These things can happen and it is important for you to know why. In most cases, the answer lies in your credit information which may contain inaccurate data, such as having credit card purchases or loans included in the report that you know you did not make. You might want to know that 79 percent of credit reports contain errors and even the slightest errors can have a big impact on your credit score.

So, in order for you to challenge or dispute these errors, you first need to make sure that there is one by obtaining a credit report from the three credit bureaus, namely Equifax, TransUnion and Exprerian. Usually, you will be able to obtain the report for a fee. However, you will be able to get it for free by requesting the company that rejected your application for credit, or even insurance or employment for it.

According to the Fair Credit Reporting Act, you have every right to get a free credit report within 60 days of refusal or rejection. The company that refused or rejected you should also disclose the credit reporting company they obtained your report and your score from.

Go to It is the official place you can get a free annual credit report

As you can see, there is a way to apply for a free.

By doing so, you will be able to review your credit report and your credit scores for any inaccuracies. And if you do find any inaccurate date in your report, you can create a report about it and send it to the credit reporting company that made the report. Do not forget to include thecopy of the documents that verifies the inaccuracy of the report.

These are the things that you might want to remember about credit reports and credit scores. Always remember that you have the right to obtain a copy of your credit and there are ways on how you can obtain it for free.

Get your Free Credit Report -

# # # 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.
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