Survival Manual For Single Women: Free Credit Report |
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Free credit reports can help, especially if you are a single woman. If you've ever been in the dating game, you are aware of the various checks that we all carry out to check various facts and credentials of our partners. But hey girl, how often do you check out your own free credit report. OK, I know you don't, because it costs you to get a credit report. Not anymore. Free credit reports are available on request. Can you mend a broken heart with a free credit report? You bet you can! If you're single and have been out there in the dating game, chances are you've asked yourself, Does this person have anything to hide? You may have even searched your soul and also asked, Do I have anything to hide? Yes, blood tests and background checks may be a very good idea to start. But for those of us gals who may have loved too much and helped a guy out from time to time, it's a good idea to obtain your own free credit report. A Free Credit Report Is a Great Way to Check Out Who's Been Checking You Out! Sure, you thought it was cute when he quit that dog-walking job, saying it was beneath him. And yes, when he couldn't make last month's rent you thought, hey, you'd love to see him more, so you let him move in with you. Naturally you thought it was okay to leave your purse full of credit cards next to the computer that day when he was surfing the net and you went off to the gym. He said he had a big surprise for you for Christmas, but you hadn't bargained that he used your credit rating to put that plasma television on a no-interest-for-six-months plan! Girl, get yourself logged onto the Internet and get yourself your free credit report--pronto! News You Can Use : What's On A Free Credit Report And How To Get Yours The three largest credit bureaus in the United States are Experian, TransUnion and Equifax. Each of them maintains a free credit report on you, divided into the following sections: personal profile, credit summary, public records, credit inquiries, account history and an overall credit score. It is possible to obtain a credit report free of charge if you have been the victim of fraud or if you have recently been denied credit. However, in all other cases, obtaining your free credit report usually requires signing yourself up for a 30-day trial period for a package of services. There is also some variation among the three credit bureaus with regard to what you can look at online once you've signed up. Some hold back the entire report, others just hold back your overall credit score, unless or until you upgrade to the next level of services. Keep an Eye on Your Free Credit Report Now you have no excuse for not checking up on your free credit report. It's important to monitor it, because it contains a record of everyone who's accessed it. Too many inquiries (or even a record of late payment with OTHER companies) can cause your credit score to drop, which triggers red flags to potential lenders. Even current lenders often conduct routine checks and if your score has dropped, they're very likely to raise your interest rate to the higher (sometimes much higher!) default rate. And it's not just lenders who are looking. It's becoming routine for insurance companies and even potential employers to check your free credit report to see what kind of person you are. So it's well worth the effort to keep an eye on it. Take advantage of the new law and get your free credit report today. Peace Of Mind In A Package: Other Services Included With A Free Credit Report Each of the three major credit bureaus has credit monitoring businesses as subsidiaries or affiliates. These credit monitoring companies vary in terms of how they package your credit profile information. Some give you all three bureaus' profiles in an easy-to-read format, all for one flat rate. Some offer instant online access to your updated profile, with email alerts of any referencing activity to your account. On top of giving you a copy of your free credit report, they will also be able to help you repair, or simply understand, your credit. The tools and tips on these websites can be invaluable if you have bad credit and are looking to repair your credit score. By searching for online free credit report you will find hundreds of these services that can help you view your free credit report. Some offer identity theft protection which consists of separate highlighting, verifying, and disputing options for each section of your credit report. As with any reading material, it's a personal choice how you like yours organized, illustrated and indexed. There are plenty of options out there to personalize your own person survival manual. |
