Get 3 FREE Annual Credit Reports.
What is the difference from your Credit Report vs Credit Score? How to get three free credit reports a year?
Your Credit Score which is better known as your FICO Score is calculated using the information in your credit reports. There are three major credit reporting companies and each one will have a different Credit/FICO score for you. The three credit reporting companies are:
- TransUnion
- Equifax
- Experian
You can get one free credit report from each company yearly by either mailing or calling them direct. If you go on line you must sign up for a monthly member service fee which can be canceled at any time. A better way to get your FREE credit report is to go directly to AnnualCreditReport.com on the internet. You are allowed to get a free copy of your credit report every 12 months from each of the credit reporting companies. Best to space these reports our evenly over the year to monitor and ensure that the information on them is correct and up to date.
Credit reports and credit scores can affect your mortgage rates, insurance rates, credit card approvals, home and apartment rental requests and even job applications.
Monitoring your credit reports can help you prevent unwanted charges, miss-information and even identity theft. To read more about Credit/FICO scores please read Improving Your Credit Can Save You Thousands of Dollars.
FREE Credit Reports at www.annualcreditreport.com
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