How to get your Free Credit Report
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It is a sometimes strange reality to accept that a single number can have such dominance in my life. I am not referring to my age, my phone number, or even my bank account contents for that matter. I’m referring to my credit score.
Yes, good or bad, our credit scores loom over our heads like a rain cloud or a rainbow. Today, making any major purchase is almost always accompanied by a credit report check that will be a major factor in how things play out.
Whether it be getting approved for a credit card, receiving a car loan rate, a mortgage, or even renting an apartment; your credit score will either be your ace or your disgrace. Below are three simple options to find out your credit score.
I am someone who loves extra data and features, especially when it involves managing my finances. If you are like me, you may want to consider using MyFICO.com. For a low monthly fee, MyFICO.com provides extensive details on your credit score including: credit trends, quarterly reports, a score simulator, and more! Most importantly, MyFICO.com gives your scores from all three credit bureaus, so you won’t be in the dark about anything. Signup is easy and consists of the following:
The first step is registering and consists of three parts. You will first make your profile by entering your basic information (name, address, phone number, email).
Next you will submit your identity information including gender, date of birth, and Social Security Number.
Finally you will create your secure login information by making a username and password, along with a security question and answer for security.
After creating your account, you simply need to set up your payment information and your billing address.
After that, you’re done and have full access to the nitty-gritty information on your credit.
Sign up to get all your Credit Reports in one spot MyFICO.com
One of the easiest ways to get find out your credit score is by visiting Free Credit Report. Upon signing up, you will be given your own account with your Experian credit score. The service is completely free and checking your score will not hurt your credit The signup process is painless and took me less than 15 minutes to complete. Below is a step-by-step guide for enrolling with FreeCreditReport.
Step-by-Step Instructions to get your Freecreditreport.com
The first step involves providing your basic information. This includes your name, email, and address.
Next you will provide your social security number and date of birth. This information is used to link your specific credit information with your account. You will then be asked to create a username and password for FreeCreditReport.com for future access to your account.
This step is crucial for FreeCreditReport.com to verify that you are actually who you say you are. You will be given a few minutes to answer three multiple choice questions that will authenticate your identity. Pay strict attention to these questions as they are extremely specific and the options are often very similar.
The final step is where you will secure your account. You will make a security question/answer combination, create a 4-digit PIN, and provider your phone number. These three pieces will keep your personal details safe.
3. Your credit card
In the past few years, many credit card companies have come to recognize the desire of their customers to know their credit score. As a result, a number of credit card companies now provide a free credit score service, usually available on the account section of their website. Before you purchase your credit report you may want to make sure its not available already with your current credit card company.
Here’s where the largest credit card issuers stand with free scores:
- American Express (Cardholders)
- Bank of America (Cardholders)
- Barclaycard US (Cardholders)
- Capital One (Anyone)
- Chase (Select Cardholders)
- Citi (Some Accounts)
- Discover (Anyone)
- Wells Fargo (Customers with consumer credit accounts)
Are you interested in financial freedom? What other questions do you have for me on how rid yourself of debt?
If you are interested in learning how how to get out of debt, I created a FREE 10 Days to Financial Freedom eCourse tutorial that will help you get out of debt.