Looking for your annual credit report free is not that difficult and you should look for credit scores to be included as well.
Many people are familiar with a free source of reports from the credit reporting agencies that is also considered to be the government option for accessing reports once each year. This is referred to as the source for my free credit report among others. When people think of the government source of credit reports they are thinking of this website that allows you to access your credit reports, without your credit scores, once each year.
It is a good idea to review your credit profile more than one time each year and that is why there are so many monitoring services offering monthly reviews of all three of your credit reports. These services send you an e-mail each month notifying you of any updates to your account and allowing you easy access to all three credit agency information files.
You also receive an immediate e-mail whenever there is a major change on anyone of your reports. This is a good service if you can afford the monthly fee, but if you are on a conservative budget, you have other options where you can obtain the same information. Maybe you will only look at your scores once each year, but you do need to look at your reports to make sure information is accurate and this also helps against identity theft.
It is much easier to correct your credit files if you catch an attempt to steal your identity early as opposed to catch a year later. If you catch an attempt to access your files as it happens, you can correct the problem within 30 days.
If you have browsed the Internet you have seen offers for free credit reports with free credit scores and these are offered by the same companies. For those that are willing to sign up for a free trial membership, they are given a complementary credit profile that includes all you need to review your credit history. This report is superior to that offered by the government option for free reports. As long as you are willing to look for the best offers, you will find some that offer all three credit reports with your credit scores from each credit agency.
When you obtain this information it is a good idea to not only look at your credit scores but take the time to read all of your personal information on file with each credit agency. All too often people will look at their scores and be satisfied without understanding the need to review their credit files.
The credit agencies are required to only report accurate information, but it is your responsibility to review this information and notify them if there are any mistakes. Nobody will do this for you and you are the best person to do this as you know which information is yours and which might be a mistake.
These reports that include all of your information also include information that will help you understand your credit scores. Many times you will see a score simulator which lets you input different variables that will have an impact on your scores. By using this, you can see actions you can take to increase your current score ratings.
Credit scores are important, however a decision to grant you credit or approve you based on your credit profile, is always done based on the personal information kept on file at each credit agency. This is why you need to review the information kept on file and given to others when they request access to your credit profile.
Find a service that is going to provide you with reports and scores from all three agencies and if they want you to join for a trial membership, do so and simply cancel the service if you do not want maintain a membership.
You should try to think of your credit reports is something you will review a few times each year and stop thinking of them as something you will review annually. Even though the term annual credit report is still used to identify this information, you will want to mark your calendar review this information a few times each year. If you decide to join a monitoring service, you will not need to remind yourself as you will have this information delivered to your e-mail inbox each month.