Free Credit Report - The really free one

[Kens Digital Media]

I didn't see this posted yet so here it goes.
You can get your credit report from all three credit reporting agencies for Free!

This is the real deal, not one of those websites that give you a free report and make you sign up for other services.

https://www.annualcreditreport.com/cra/index.jsp

The best way to keep track of your credit is to request your credit report from one of the credit reporting agencies every four months. this way you can watch your credit throughout the year.

Tip: before you enter any personal information anywhere on the internet you should scan your computer for viruses, you sure don't want a key logger sending your personal stuff to someone do you.

[keith]

Originally Posted by Kens Digital Media

...You can get your credit report from all three credit reporting agencies for Free!.....
https://www.annualcreditreport.com/cra/index.jsp .....

Tip: before you enter any personal information anywhere on the internet you should scan your computer for viruses, you sure don't want a key logger sending your personal stuff to someone do you.

Great post, Ken.

We had a mortgage banker post here about free credit reports, but since he's in the business, we moved that to "Department of Shameless Self-Promotion".

Your tip about anti-virus / anti-spyware is important for everyone, all the time...particularly when completing info to get a credit report.

Thanks.

Regards,
Keith

[GORIVER]

Originally Posted by keith

Great post, Ken.

We had a mortgage banker post here about free credit reports, but since he's in the business, we moved that to "Department of Shameless Self-Promotion".

Your tip about anti-virus / anti-spyware is important for everyone, all the time...particularly when completing info to get a credit report.

Thanks.

Regards,
Keith

Thank you Keith for correcting my mistake and moving my post instead of discarding it

I would like to add to this post about making sure your computer is free of viruses before entering in personal information. AVG Grisoft is the best free anti-virus I have found. It can be found on Free Software Downloads and Reviews - Download.com. For many years, that is the only virus protection I have used on my personal computer and it has kept me safe. It also helps to research and snoop around to make sure the website is reputable and legit before entering personal information.

A lot of online free credit report companies will sell your information to companies looking to obtain leads to sell their product. Be sure to read all disclaimers to make sure you will not be hounded by telemarketers.

Thank you! - Kyle Christopherson

[keith]

Originally Posted by GORIVER

Thank you Keith for correcting my mistake and moving my post instead of discarding it

You're welcome!

Originally Posted by GORIVER

I would like to add to this post about making sure your computer is free of viruses before entering in personal information. AVG Grisoft is the best free anti-virus I have found. It can be found on Free Software Downloads and Reviews - Download.com. For many years, that is the only virus protection I have used on my personal computer and it has kept me safe. It also helps to research and snoop around to make sure the website is reputable and legit before entering personal information.

A lot of online free credit report companies will sell your information to companies looking to obtain leads to sell their product. Be sure to read all disclaimers to make sure you will not be hounded by telemarketers.

Thank you! - Kyle Christopherson

Great info; thank you!

Regards,
Keith

[dgridley]

It's my understanding (correct me if I'm wrong) that too many credit checks can also affect your credit score in the negative. If true, this is something we should be aware of.

Most common response when I check my credit is, "You're kidding, right?"

[Kens Digital Media]

Originally Posted by dgridley

It's my understanding (correct me if I'm wrong) that too many credit checks can also affect your credit score in the negative. If true, this is something we should be aware of.

Most common response when I check my credit is, "You're kidding, right?"

Your right but not in this case. Getting your own credit report doesn't affect your score and it's smart to know what's going on with your credit. If you have wrong information listed on your report then you can write in and get it fixed so your score will go up.

When you apply for credit (looking for best rate) for example a home loan you can apply at different banks for the home as long as it's in a short period of time. This will be treated as a hard pull and would be grouped as one hard pull, not 2 or 3 or more.

If you apply for a home loan in Jan then apply in March then again in May then that's three hard pulls and your credit score will drop.

Hope that helps explain how this works some

[dgridley]

Thanks, Ken.. it does. Rep added.

[Kens Digital Media]

Glad I could help.

Thanks for the Rep

[keith]

Originally Posted by dgridley

It's my understanding (correct me if I'm wrong) that too many credit checks can also affect your credit score in the negative. If true, this is something we should be aware of.

Most common response when I check my credit is, "You're kidding, right?"

LOL!

Regards,
Keith

[GORIVER]

Originally Posted by Kens Digital Media

Your right but not in this case. Getting your own credit report doesn't affect your score and it's smart to know what's going on with your credit. If you have wrong information listed on your report then you can write in and get it fixed so your score will go up.

When you apply for credit (looking for best rate) for example a home loan you can apply at different banks for the home as long as it's in a short period of time. This will be treated as a hard pull and would be grouped as one hard pull, not 2 or 3 or more.

If you apply for a home loan in Jan then apply in March then again in May then that's three hard pulls and your credit score will drop.

Hope that helps explain how this works some

100% correct

Also, 79% of credit reports contain mistakes. It is a very good idea to review your report every 4-6 months.

[dgridley]

Thanks for the statistic.. makes good sense to always stay abreast of your finances.

Originally Posted by GORIVER

100% correct

Also, 79% of credit reports contain mistakes. It is a very good idea to review your report every 4-6 months.