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Access Credit Reports Online for Free

By Faye Mergel
Published: Wednesday, August 11th, 2010

102410519There have been innumerable cases in the past where Americans have faced problems with their credit scores. A sudden drop in their credit scores leads them into trouble and takes a long time to repair too. While many times this is due to the individuals unable to handle their finances the right way, the problem is also seen when there are errors in their credit history.

To avoid situations where the credit scores suffer due to erroneous entries, it is best to check the credit report at least once a year. This is now possible by accessing the credit report for free each year. The US government will now offer annual credit report for free which can be accessed from the FTC website.

To view the credit report offered by Transunion, Experian and Equifax, you will have to log on to annualcreditreport.com. The very fact that this website has got 100% approval from the government and also the fact that the reports can be viewed with no added charges makes it both secure and reliable for the Americans.

Maintaining a good credit score would mean better prospects in terms of getting loans at lower rates of interest. This also reflects on your capability in handling your finances right. Hence it is best to take advantage of the free credit report.

The credit report, though free, does not ensure a free credit score. You will have to pay a small amount of nearly $15 to $30 for a credit score. A little effort from your end to check the report could translate to savings. This is because you save greatly in terms of interest rates which could turn out to be a savings for you.

Americans can now take this as an opportunity to brace themselves against any financial problems that may arise due to negligence. It saves you from getting exploited for a mistake you may never have made while taking stock of your finances. Though a meager amount has to be shelled out to if you want to have a credit score, it is worth the money when you consider the advantages it brings along.

It is best for Americans to take advantage of this opportunity of viewing their credit reports for free. This way they will be able to build a good credit score and hence stand to gain in terms of a hassle free life.

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