Free credit report .com - Should you Use Them?
The Free credit report .com website is a credit monitoring service that has been set up in conjunction with Experian. They have benefited from some high profile television exposure recently and this has led to a lot of people seeking more information.
A credit monitoring service will provide you with continual access to your credit report over an extended period of time. This could be of interest to you if you want to check that you have not been the victim of identity theft or you are in the process of trying to improve your credit score.
However a credit monitoring service like free credit report .com is not right for everybody. By law, you are entitled to an annual credit report free of charge from each of the credit reporting agencies.
This information is easy to obtain, if you understand how. You can simply get online and get the information you need with very little effort. The most straightforward site to use is annualcreditreport.com. This particular site gets you your free credit reports from all three credit reporting agencies. This website is good and secure. You just need to answer some security questions and you can get your personal details straightaway.
This will only allow you access to your report once a year. But for many people this is sufficient for their needs.
You can also request your report from the credit reporting agencies by writing a letter if you don't wish to use the computer. The agencies to contact are Equifax, TransUnion and Experian. You need to do this once each year. You may have to wait up to 6 weeks to receive your reply.
If you use the services of free credit report .com you will initially have free access to your credit report for 7 days. After that you will be billed on a monthly basis.