Getting Your Free Credit Report


Your credit report is an essential document for you to figure out the details of your credit card usage. This helps in identifying any transactional theft and helps you in making financial decisions related to the use of your credit card. These reports are also demanded by banks and financial institutions when you apply for a loan, or for the issuance of a new credit card.

It is understandable that paying to get a report about how well you are performing in terms of your financial dealings is ridiculous. Despite the big credit companies giving promotional offers, there are ways you can obtain your credit report absolutely free of charge! The following describes how to get and what to check for in your free credit report.

Order Online

This is becoming the most popular way of obtaining credit reports without any hidden or additional charges. Websites such as and work under limited zonal distributions to provide these reports on an annual basis. They have better subscription options that allow you to get your credit report biannually, quarterly or monthly from Equifax, Experian and TransUnion. These subscriptions are, however, costly which is why they are used only by organizational structures and wealthy individuals who have a lot of financial activity going through credit.

The only cost that you may have to incur for these online orders is that of the courier and the time it takes for the report to reach, otherwise you have information at your doorstep in the most convenient way possible.


It should be understood that in the age of screens taking over papers, official reports and documents have found their way to be obtained very easily on your personal cell phone without any strings attached. Websites offering free reports can be used to request them to send you a report in the form of a PDF document, for example.

The advantages which can be associated with this report are that there is no chance of the report going missing and you will not have to wait at least a week’s time to finally get a glimpse of your report.

Contents of the Report

Your free credit report can be obtained from either of the three giants (Equifax, Experian and TransUnion), but you should be responsible enough to check it thoroughly before realizing that the report may not reflect exactly how your financial year was spent. The expertise of technology like Liabilities Robo-Advisor can then be used to determine what financial steps to take.

The very first element is ensuring that the report is up to date, which means that it shows the transactions up to the last one carried out before your financial year expired. You must also be able to align the memory of all the transactions you conducted with the report in order to determine any potential threat of thievery from your account for which you had to pay. You also need to confirm that your personal information (Name, date of birth, social security number etc.) is correct, otherwise chances are that this report belongs to someone else.

The post Getting Your Free Credit Report appeared first on Home Business Magazine.


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