The main free credit reports as you all know come from Equifax, TransUnion and Experian. You are entitled to one free credit report per year from each agency if you visit the government mandated site at AnnualCreditReport.com. However, if you want to monitor your credit more closely you may want to get monitoring service from one or more of the bureaus. Equifax is one of the big 3 credit bureaus that has authorized giving away annual free reports. In order to get your credit report, you have to request it either through mail, by phone or online through the AnnualCreditReport.com site which was mandated by the FTC.
If you are interested in getting credit monitoring service from Equifax you have 4 choices: Golf family, gold, silver and score watch. The price you pay will vary depending on the level and frequency of monitoring you choose. You can often get a free monthly trial of the service, but be aware that you will be on the hook for payments if you decide to keep the service beyond the trial period.
When lenders report to the credit agencies, they are not obligated to report to all 3 of the national credit reporting agencies. For this reason, it would be a good idea to get a copy of your report from each reporting agency. This will allow you see what information is being reported to each agency, and spot problems or false information that only one agency is reporting about.
There are many packages available and most will offer a combined 3 bureau credit report. This can be a great convenience since the format of the reports from each agency is different. The combined 3 bureau report will be in the same format and will make it easier to spot the differences between each report. Once you have established great credit you will most likely want to do everything you can to keep it that way. For this reason, monitoring your scores is vital in maintaining that great credit you worked so hard for. All of the monitoring services that I have reviewed or personally used have email alerts that will let you know about major changes in your report or score.
If you detect or are alerted of major changes, this could be an indication of Identity Theft. Monitoring for changes is one of the best ways to alert you of the possibility of stolen identity. In addition to alerts, most monitoring services offer Identity Theft insurance that typically will reimburse you between $20,000 and $25,000 in damages.
Many services offer you the ability to see your report from all 3 credit bureaus, check and monitor your scores and setup email alerts to alert you of major changes happening to your report or score. You can also get Identity Theft insurance in the event you are the victim of stolen identity.
If you are interested in getting credit monitoring service from Equifax you have 4 choices: Golf family, gold, silver and score watch. The price you pay will vary depending on the level and frequency of monitoring you choose. You can often get a free monthly trial of the service, but be aware that you will be on the hook for payments if you decide to keep the service beyond the trial period.
When lenders report to the credit agencies, they are not obligated to report to all 3 of the national credit reporting agencies. For this reason, it would be a good idea to get a copy of your report from each reporting agency. This will allow you see what information is being reported to each agency, and spot problems or false information that only one agency is reporting about.
There are many packages available and most will offer a combined 3 bureau credit report. This can be a great convenience since the format of the reports from each agency is different. The combined 3 bureau report will be in the same format and will make it easier to spot the differences between each report. Once you have established great credit you will most likely want to do everything you can to keep it that way. For this reason, monitoring your scores is vital in maintaining that great credit you worked so hard for. All of the monitoring services that I have reviewed or personally used have email alerts that will let you know about major changes in your report or score.
If you detect or are alerted of major changes, this could be an indication of Identity Theft. Monitoring for changes is one of the best ways to alert you of the possibility of stolen identity. In addition to alerts, most monitoring services offer Identity Theft insurance that typically will reimburse you between $20,000 and $25,000 in damages.
Many services offer you the ability to see your report from all 3 credit bureaus, check and monitor your scores and setup email alerts to alert you of major changes happening to your report or score. You can also get Identity Theft insurance in the event you are the victim of stolen identity.
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Frank Miller has a Debt Consolidation Blog & Finance, these are some of the articles: For Optimal Effects You Should Ask What Is The Current Price Of Gold Per Ounce You have full permission to reprint this article provided this box is kept unchanged.
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