subject: Best Online Credit Score - How To Get The Best Info At Little Cost [print this page] Best Online Credit Score - How To Get The Best Info At Little Cost
Knowing one's credit score is perhaps the single most important financial responsibility that a person has.
This score determines the rates that one will get on loans, whether or not a person can get those loans, and a person's generals financial worthiness. It also affects certain miscellaneous things in a person's life, including whether or not they are given housing and some employers even take it into consideration.
Aurora Lillo Editor of the "Best Credit Reporting Services" website -- http://www.BestCreditReportServices.com -- pointed out;
"...Given the above, how should one go about figuring out his or her credit score? And is it possible to get high-quality information cheaply or for free? There are a number of options. First, a person can always go to the website of the major credit bureaus: Equifax, TransUnion, and Experian. Based on the Fair Credit Reporting Act these institutions are required to allow every United States citizen to check their credit report at least once a year for free. Unfortunately, this report does not include the score and it is difficult to gather all of the information and compare multiple reports at once. This fulfills the criteria of at little cost, but is definitely not the best information that one can get..."
Perhaps a better option is to subscribe to a service that will monitor your credit, such as freecreditreport.com or creditreport.com. These services are not entirely free. However, for only a small monthly fee they will allow a consumer to not only see the report, but also the score, from all three bureaus. This allows one to see exactly what a lender or employer would see, and keep very updated. This is excellent information, and given the potential financial consequences of not knowing all of the information, is priced very inexpensively.
"...Also, these services include a number of features that would be extremely expensive if purchased anywhere else. For example, they will monitor a person's credit, and let them know via email if anything is wrong. This can help combat identity theft, which would otherwise cost an enormous amount of money and time to solve. Furthermore, using the websites allows one to see his or her report far more often than the once a year that is required by law, which means that one can stay up to date far better. The information is very complete, and absolutely the best report in the industry. Given the alternatives, these websites are definitely the best and cheapest way to monitor a credit report..." addedA. Lillo.
Further information about how to get a detailed credit report including scores and as often as you want by visiting; http://www.BestCreditReportServices.com
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