If you are someone who is interested in improving your credit rating, then you have likely looked into getting your credit report recently. Everyone in the United States is entitled to one free copy of their credit report each year.
However, if you are online you might notice there are many websites who claim to offer a free credit score check. This might seem really enticing to you, however you must be careful about giving out your private information to these websites. There are plenty of ways that fraudsters can use your details and the last thing you need is someone applying for borrowing facilities using your name.
The Fair Credit Reporting Act requires that the three reporting agencies provide you with a free copy of your credit report once every 12 months at your request. This includes Equifax, Experian and Trans Union. Your credit report will have information such as your employer, any bankruptcies, your address information, what bills you currently have and other pertinent information about your credit rating.
Another important thing to know is your score. Each of the bureaus has their own credit scoring system using different parameters such as the length of time you have had credit, what kind of credit you have and any delinquencies.
Given the current economic climate and the rise in credit defaults, people have become more nervous and there will always be those who will prey on vulnerable people. This has led to a rise in impostor websites offering to give you a free credit score check. Websites may allow you to order your credit report, but if they are offering you a free credit score they are likely an impostor website.
This means that if you sign up to get the "free" offer, you are probably also signing up for a continuity service which will charge you monthly without your knowledge. These types of schemes are notoriously difficult to cancel and you could end up owing even more money than you do now.
They might ask you to sign up for a free trial of a service that you do not realize turns into a paid service after the trial. If you do not cancel during the trial period, you might find a really exorbitant charge on your credit card each month after that. If you want a free credit score check, it is unlikely that you will find such a service.
However, you can pay to see your credit scores even though your credit report was free.
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