Credit card free credit report Connecticut

Experian and the Experian marks used herein are service marks or registered trademarks of Experian Information Solutions, Inc. Other product and company names mentioned herein are the property of their respective owners. Check Credit Report Free Once a credit card free credit report Connecticut Year - Is it Enough?

Expert Author | 6,306 Articles By Hector Milla The answer to this question is a resounding "No".

Checking a credit report once a year is not enough by a long shot, for a large variety of reasons.

Unfortunately, it is what most people do, as the government offers a credit card free credit report Connecticut free report once a year at the Annual Credit Report website, credit card free credit report Connecticut but with a small investment, it is simple to get a much better deal. The first answer to this is that the consumer who uses this option does not see the score associated with the report. While the report that one receives does show everything that the credit agencies see, they do not show the associated score. And this is a big deal, because formulas that are used to calculate the score are arcane trade secrets. credit scores credit reports

It is nearly impossible for anyone outside of an agency to see these formulas, and they can be full of surprises.

Someone can have nothing negative in their record and still have only an average score. Another problem is that many people use this once-a-year viewing of their credit to watch out for identity theft. Identity theft can, and does, happen overnight, and checking credit card free credit report Connecticut once a year is not enough to prevent that at all. Nobody looking for identity theft would check their credit card statement once a year. No, one must view his or her report at least once a month to see if somebody is maliciously opening accounts in his or her name.

Checking once a year can only reassure a consumer that their identity is not being stolen at that instant. get free credit card In fact, with that time interval, somebody could easily open and then close an account before someone notices. The solution is that one cannot rely on free tools. One must sign up for a subscription website that allows him or her to credit card free credit report Connecticut view the credit information, including the score, far more than once a year. Good websites for such a service include freecreditreport.com and creditreport.com. These websites, for a small monthly subscription fee, allow a consumer to view his or her credit report at regular intervals, typically once a month. This can keep one far more alert and gives far more information than one could ever get from any free source available.

NOTE: Get your credit report and scoring improved. Use one of the Best Credit Reporting Services in credit card free credit report Connecticut the market offering a free trial and the cheapest price thereafter. Hector Milla runs the Credit Report And Scores website - where you can see his best rated credit reporting service. Article Source: http://EzineArticles.com/?expert=Hector_Milla Subscribe to New Article Alerts: Finance: Credit Hector Milla Submitted On June 21, 2010. free credit report by law Free Credit Reports And Credit Scores That Aren'credit card free credit report Connecticut t Free Many websites advertise that they allow you to check your credit report and/or credit score for free. But there's a credit card free credit report Connecticut catch: many of these "free" reports and scores actually cost money. Let's take a look at a few of these websites to see what they really charge.